| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | $7K | $79K | 24.17% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 9.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 3.95% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE 8 EL SEGUNDO, CA 90245 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.60% |
| DHR INSURANCE SERVICES INC3 | THE GUARDIAN LIFE INSURANCE COMPANY 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 70.00% |
| CONCEPT ADMINISTRATORS LLC3 | THE GUARDIAN LIFE INSURANCE COMPANY 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 30.00% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| DHR INSURANCE SERVICES INC3 | 302 WEST GRAND AVENUE SUITE 8 EL SEGUNDO, CA 90245 | AMERITAS LIFE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 WEST GRAND AVENUE EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $657 | — | $657 | 13.01% |
| INNOVATIVE SOLUTIONS3 | 222 NORTH PACIFIC COAST HIGHWAY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $202 | — | $202 | 4.00% |
| DAVID HERNANDEZ3 Filed as: DAVID ROMERO | 302 WEST GRAND AVENUE EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $72 | — | $72 | 3.99% |
| INNOVATIVE SOLUTIONS3 | 222 NORTH PACIFIC COAST HWY EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $72 | — | $72 | 3.99% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $327K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $154K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 393 | $33K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $86K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $101K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $66K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 213 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.