| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | 141 W. GREEN STREET PASADENA, CA 91105 | UNUM LIFE INS CO OF AMERICA | $12K | $0 | $12K | 3.78% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | 141 W GREEN STREET PASADENA, CA 91105 | UNUM LIFE INS CO OF AMERICA | $16K | $0 | $16K | 16.83% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | 141 W GREEN STREET PASADENA, CA 91105 | UNUM LIFE INS CO OF AMERICA | $11K | $0 | $11K | 26.58% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INS CO OF AMERICA | $3K | $344 | $3K | 7.73% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | 2677 ROCHELLE PLACE SIMI VALLEY, CA 93063 | METLIFE LEGAL PLANS | $378 | $0 | $378 | 9.93% |
| M FINANCIAL HOLDINGS INC3 Filed as: FM FINANCIAL SERVICES, INC. | 141 W GREEN STREET PASADENA, CA 91105 | FIRST UNUM LIFE INSURANCE COMPANY | $653 | $0 | $653 | 18.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $73K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $14K |
| DISCOVERY BENEFITS INC. EIN 83-4136902 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $11K |
| CIGNA | Other services Service code 49 | — | $0 |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INS CO OF AMERICA | 437 | $410K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INS CO OF AMERICA | 437 | $318K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA | 437 | $315K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 333 | $905K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INS CO OF AMERICA | 437 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.