| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DHR INSURANCE SERVICES INC3 | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $1K | $68K | 10.32% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 3.37% |
| 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 | $14K | $1K | $16K | 10.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.31% |
| DHR INSURANCE SERVICES INC3 | 302 W GRAND AVE 8 EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.56% |
| DHR INSURANCE SERVICES INC3 | 302 W GRAND AVE SUITE 8 EL SEGUNDO, CA 90245 | AMERITAS LIFE INSURANCE COMPANY | $7K | — | $7K | 32.22% |
| 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 | $2K | — | $2K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
| 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 | $411 | — | $411 | 9.99% |
| DHR INSURANCE SERVICES INC3 | THE GUARDIAN LIFE INSURANCE COMPANY 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 70.00% |
| CONCEPT ADMINISTRATORS LLC3 | THE GUARDIAN LIFE INSURANCE COMPANY 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 30.00% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $657K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $145K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $29K |
| Life insurance(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 199 | $35K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $4K |
| 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."
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.