| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $107K | — | $107K | 4.00% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | DELTA DENTAL OF PENNSYLVANIA | $18K | — | $18K | 10.00% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 15.24% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $13K | 16.36% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $4K | $12K | 16.55% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 21.15% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.46% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $209 | $1K | 4.50% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $692 | $2K | 16.45% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METLIFE LEGAL PLANS | $822 | — | $822 | 9.42% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 21.92% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $418 | $135 | $553 | 7.26% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 24.19% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $392 | $102 | $494 | 7.62% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $2.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 177 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $78K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $75K |
| Other(6 contracts, 5 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 201 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.