| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERRI ROMERO INSURANCE A3 Filed as: SHERRI ROMERO INSURANCE AGENCY, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 7.97% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 7.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 5.52% |
| DAVID H ROMERO3 | 302 W GRAND #8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.39% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.96% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 W GRAND #8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| DAVID HERNANDEZ3 Filed as: DAVID HERMAN ROMERO | 618 ARENA ST EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.18% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 302 W GRAND AVE 8 EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.97% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $944 | — | $944 | 4.55% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES LLC | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $814 | — | $814 | 3.93% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 W GRAND #8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | — | $162 | 0.78% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $681 | — | $681 | 4.55% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES LLC | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | — | $587 | 3.93% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 W GRAND #8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $117 | — | $117 | 0.78% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $492 | — | $492 | 4.44% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES LLC | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $447 | — | $447 | 4.04% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 W GRAND #8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | — | $89 | 0.80% |
| SHERRI ROMERO INSURANCE A3 | 8121 W MANCHESTER AVE PLAYA DEL REY, CA 90293 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $533 | — | $533 | 14.44% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES LLC | 302 W GRAND AVE SUITE 8 EL SEGNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $149 | — | $149 | 4.04% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 W GRAND #8 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30 | — | $30 | 0.81% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $372K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.