| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEHDI ROHANI3 | 7 ROCHELLE NEWPORT BEACH, CA 92657 | UNITED HEALTHCARE INSURANCE COMPANY | $167K | — | $167K | 3.86% |
| ROYA ROHANI3 | 8 ZINNIA IRVINE, CA 92618 | UNITED HEALTHCARE INSURANCE COMPANY | $90K | — | $90K | 2.08% |
| MEDHI ROHANI3 | 7 ROCHELLE NEWPORT COAST, CA 92657 | UNIMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.85% |
| ROYA ROHANI3 | 8 ZINNIA IRVINE, CA 92618 | UNIMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.61% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,014 | $4.3M |
| Life insurance | UNIMERICA LIFE INSURANCE COMPANY | 411 | $152K |
| Short-term disability | UNIMERICA LIFE INSURANCE COMPANY | 411 | $152K |
| Long-term disability | UNIMERICA LIFE INSURANCE COMPANY | 411 | $152K |
| Other | UNIMERICA LIFE INSURANCE COMPANY | 411 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.