| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INS AGENCY | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | CALIFORNIA PHYSICIAN'S SERVICE | $73K | — | $73K | 6.00% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INS AGENCY | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 13.60% |
| DAVID JACOB HOLPER3 Filed as: DAVID LEBENTAL | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INS AGENCY | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 18.08% |
| DAVID JACOB HOLPER3 Filed as: DAVID LEBENTAL | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $522 | — | $522 | 1.92% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INS AGENCY | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 18.05% |
| DAVID JACOB HOLPER3 Filed as: DAVID LEBENTAL | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $405 | — | $405 | 1.95% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INS AGENCY | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 18.08% |
| DAVID JACOB HOLPER3 Filed as: DAVID LEBENTAL | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $360 | — | $360 | 1.92% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS, INC | 2400 W CARSON ST, STE 225 TORRANCE, CA 90501 | VISON SERVICE PLAN | $799 | — | $799 | 7.02% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIAN'S SERVICE | 213 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 127 | $152K |
| Vision | VISON SERVICE PLAN | 66 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 130 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 130 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 130 | $27K |
| Prescription drug | CALIFORNIA PHYSICIAN'S SERVICE | 213 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.