| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: THE EMPLOYERS BENEFIT GROUP | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | $0 | $66K | 12.69% |
| THOMAS DANCO3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.86% |
| THOMAS DANCO3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.10% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $44 | $44 | 0.07% |
| THOMAS DANCO3 Filed as: THOMAS P DANCO | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | EYEMED VISION CARE | $1K | $0 | $1K | 9.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - LOS ANGELES | 725 S. FIGUEROA STREET LOS ANGELES, CA 90017 | EYEMED VISION CARE | $383 | $0 | $383 | 3.76% |
| THOMAS DANCO3 Filed as: THOMAS P DANCO | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | RELIASTAR LIFE INSURANCE COMPANY | $441 | $0 | $441 | 11.99% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $330 | $0 | $330 | 15.00% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $519K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $102K |
| Vision | EYEMED VISION CARE | 160 | $10K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $65K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $61K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $519K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.