| 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 | $151K | — | $151K | 6.21% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 30.13% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $545 | — | $545 | 1.56% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.05% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.11% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.81% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | — | $1K | $1K | 10.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $588 | — | $588 | 7.81% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $679 | — | $679 | 15.00% |
| FONTAINE MCLAREN INC3 | 27509 AGOURA RD STE 203 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 8.13% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $2.4M |
| Life insurance(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $86K |
| Short-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $37K |
| Other(10 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 238 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
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.