| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AETNA HEALTH, INC. | $34K | $38K | $72K | 2.29% |
| ROBYN PIPER3 | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 921302051 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | $0 | $9K | 0.99% |
| ROBYN L PIPER3 | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $0 | $63K | 10.00% |
| ROBYN L PIPER3 | 2300 WEST SAHARA SUITE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | $0 | $91K | 15.00% |
| ROBYN PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NC 891024397 | VISION SERVICE PLAN | $83K | $0 | $83K | 14.01% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | HARTFORD LIFE AND ACCIDENT | $41K | $8K | $49K | 9.00% |
| ROBYN PIPER3 | 2300 W SAHARA AVE LAS VEGAS, NV 89102 | DELTA DENTAL OF CALIFORNIA | $4K | $0 | $4K | 3.00% |
| ROBYN PIPER3 | 11622 EL CAMINO REAL SUITE 100 SAN DIEGO, CA 921302051 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 1.59% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G AUFDEMBERG INC. | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $11K | $0 | $11K | 17.36% |
| ROBYN PIPER4 | 2300 W SAHARA AVE LAS VEGAS, NV 89102 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $7K | $0 | $7K | 11.34% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON INSURANCE BROKERS LLC | 4275 EXECUTIVE SQ SUITE 600 LA JOLLA, CA 92037 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $604 | $0 | $604 | 0.99% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $63 | $0 | $63 | 0.10% |
| CHARLES A WALTERS4 | 23825 N 65TH DR GLENDALE, AZ 85310 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $52 | $0 | $52 | 0.08% |
| MARY THERESA FISHER4 | 29C OWENS LANDING CT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $40 | $0 | $40 | 0.07% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA HEALTH, INC. | 656 | $4.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,156 | $148K |
| Vision | VISION SERVICE PLAN | 3,193 | $594K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,637 | $549K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,115 | $633K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,789 | $608K |
| Prescription drug(3 contracts, 2 carriers) | AETNA HEALTH, INC. | 656 | $4.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,637 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,637 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.