| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL VINCENT MANIACI3 Filed as: DANIEL V. MANIACI | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | AETNA LIFE INSURANCE COMPANY | $0 | $96K | $96K | 5.09% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE AND FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.02% |
| DANIEL VINCENT MANIACI3 | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | AETNA HEALTH INC. | $0 | $30K | $30K | 5.27% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE AND FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AETNA HEALTH INC. | $0 | $6K | $6K | 1.06% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $8K | $30K | 7.92% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $971 | $971 | 0.26% |
| DANIEL VINCENT MANIACI3 Filed as: DANIEL MANIACI | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | PRINCIPAL LIFE INSURANCE COMPANY | -$9 | $0 | -$9 | -0.00% |
| JB CREATIVE SOLUTIONS LLC3 Filed as: JB CREATIVE SOLUTIONS, LLC | 1933 JOE POOL DRIVE LITTLE ELM, TX 75068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $896 | $172 | $1K | 11.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $647 | $0 | $647 | 7.08% |
| BRIAN YERVANT AKIAN3 | PO BOX 17269 IRVINE, CA 92623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $64 | $561 | 6.14% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $182 | $407 | 4.45% |
| DAVID O CHRISTENSEN3 Filed as: DAVID O. CHRISTENSEN | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $86 | $201 | 2.20% |
| DANIEL VINCENT MANIACI3 | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 1.16% |
| DAVID A. RACKLIFFE3 | 300 HEROIT COURT SPRING HILL, TN 37174 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $1 | $64 | 0.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 5.71% |
| DAVID O CHRISTENSEN3 Filed as: DAVID O. CHRISTENSEN | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 3.49% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 1.14% |
| JB CREATIVE SOLUTIONS LLC3 Filed as: JB CREATIVE SOLUTIONS, LLC | 1933 JOE POOL DRIVE LITTLE ELM, TX 75068 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 1.14% |
| DANIEL VINCENT MANIACI3 | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.63% |
| BRIAN YERVANT AKIAN3 Filed as: BRIAN YERVENT AKIAN | PO BOX 17269 IRVINE, CA 92623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.29% |
| ANDREW HAHN3 | 14 FOX LANE LAKE GROVE, NY 11755 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.23% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 393 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $378K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $378K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $378K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $378K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $378K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 393 | $2.4M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 613 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.