| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | CIGNA | $8K | — | $8K | 9.92% |
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $970 | $0 | $970 | 10.00% |
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $418 | $0 | $418 | 9.99% |
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $406 | $0 | $406 | 9.99% |
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $397 | $0 | $397 | 10.01% |
| BIJAN NAHAI3 | 465 S. BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $37 | — | $37 | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIJAN NAHAI EIN 95-4734400 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 465 S BEVERLY DRIVE, SUITE 200 BEVERLY HILLS, CA 90212 | $28K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $9K |
| CIGNA HEALTH & LIFE INSURANCE CO | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan 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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $0 |
| Dental(5 contracts, 5 carriers) | CIGNA | 124 | $96K |
| Vision | CIGNA | 124 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $4K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $0 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 260 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.