| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FONTAINE MCLAREN INC3 Filed as: FONTAINE MCLAREN, INC. | 27509 AGOURA RD AGOURA HILLS, CA 913015149 | UNITEDHEALTHCARE INSURANCE COMPANY | $148K | — | $148K | 5.44% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.22% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.71% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.84% |
| FONTAINE MCLAREN INC3 Filed as: FONTAINE MCLAREN BENEFITS,RETENTION | 27509 AGOURA ROAD, SUITE 203 AGOURA HILLS, CA 91301 | LEGALPLANS, USA | — | $1K | $1K | 10.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM INSURANCE COMPANY | $1K | — | $1K | 9.77% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.11% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.08% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.56% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $589 | — | $589 | 7.79% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM INSURANCE COMPANY | $754 | — | $754 | 10.52% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.48% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $2.7M |
| Life insurance(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $83K |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $46K |
| Other(11 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.