| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FONTAINE MCLAREN INC3 Filed as: FONTAINE MCLAREN, INC. | 21241 VENTURA BLVD STE 153 WOODLAND HILLS, CA 91364 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 4.99% |
| FONTAINE MCLAREN INC3 | STE 153 21241 VENTURA BLVD WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.78% |
| FONTAINE MCLAREN INC3 | STE 153 21241 VENTURA BLVD WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| FONTAINE MCLAREN INC3 | STE 153 21241 VENTURA BLVD WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 27.66% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | EASECENTRAL 1980 FESTIVAL PLAZA DR STE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $316 | — | $316 | 1.47% |
| FONTAINE MCLAREN INC3 | STE 153 21241 VENTURA BLVD WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.87% |
| FONTAINE MCLAREN INC3 | STE 153 21241 VENTURA BLVD WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | — | $912 | $912 | 10.00% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $68K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $25K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.