| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $41K | $0 | $41K | 12.43% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 9.91% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $608 | $0 | $608 | 10.00% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $571 | $0 | $571 | 10.00% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $367 | $0 | $367 | 10.01% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $242 | $0 | $242 | 10.02% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $50 | $0 | $50 | 10.00% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $17 | $0 | $17 | 10.18% |
| BIJAN NAHAI3 | 465 S BEVERLY DR SUITE #200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $4 | $0 | $4 | 9.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIJAN NAHAI EIN 95-4734400 3 | Insurance agents and brokers Service code 22 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | $41K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $25K |
| CIGNA | Float revenue; Named fiduciary; Participant communication; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $0 |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $328K |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $104K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $6K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $328K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.