| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID HERNANDEZ3 Filed as: DAVID HERMAN ROMERO | 618 ARENA ST EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.78% |
| SHERRI ROMERO INSURANCE A3 Filed as: SHERRI R ROMERO INSURANCE AGEN | 8121 W. MANCHESTER AVENUE PLAYA DEL REY, CA 90293 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.06% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $687 | — | $687 | 10.00% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $496 | — | $496 | 10.01% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $354 | — | $354 | 9.99% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118 | — | $118 | 9.99% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $11K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $14K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $16K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $18K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.