| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN BOZAJIAN3 | 1001 6TH STREET, SUITE 100 MANHATTAN BEACH, CA 90266 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.48% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $514 | $9K | 1.31% |
| FARR & ASSOCIATES INS. SERVICES3 | 996 S. SEAWARD AVENUE VENTURA, CA 93001 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.27% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.05% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 278 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 591 | $586K |
| Vision | EYEMED VISION CARE | 1,441 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $654K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $654K |
| Prescription drug | AETNA HEALTH, INC. | 278 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,101 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.