| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFIT FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 1.66% |
| BRIAN BOZAJIAN3 | 1001 SIXTH STREET STE 100 MANHATTAN BEACH, CA 90266 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 1.66% |
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY INC. | 1601 N SEPULVEDA BLVD. STE 372 MANHATTAN BEACH, CA 90266 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 1.65% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFIT FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 1.66% |
| BRIAN BOZAJIAN3 | 1001 SIXTH STREET STE 100 MANHATTAN BEACH, CA 90266 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 1.66% |
| RW INSURANCE AGENCY3 Filed as: RW INSURANCE AGENCY INC. | 1601 N SEPULVEDA BLVD. STE 372 MANHATTAN BEACH, CA 90266 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 1.66% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 3.72% |
| RW INSURANCE AGENCY3 | 1601 N SEPULVEDA BLVD STE 372 MANHATTAN BEACH, CA 90266 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.33% |
| BRIAN BOZAJIAN3 | 1001 6TH ST STE 100 MANHATTAN BEACH, CA 90266 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.23% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS OF CALIFORNIA | 318 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $305K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 401 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $305K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $305K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.