| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SDG INSURANCE SERVICES3 | 15130 VENTURA BLVD. SHERMAN OAKS, CA 91403 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 4.36% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.09% |
| SDG INSURANCE SERVICES3 | 15130 VENTURA BLVD. SHERMAN OAKS, CA 91403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 1.60% |
| INOCENCIA MAY CRAWFORD3 | P.O. BOX 3721 RANCHO CUCAMONGA, CA 91729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $5 | $108 | 1.46% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING INC. | 9538 W.PICO BLVD. LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $2 | $91 | 1.23% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 210 | $986K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 210 | $986K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 210 | $986K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $7K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $7K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.