| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $16K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.51% |
| MJ INSURANCE3 Filed as: WENDY POOLE PYNE AND VARIOUS AGENTS | 206 EAST UNION STREET ASHLAND, MA 01721 | AFLAC | $680 | — | $680 | 4.27% |
| AVANT-GARDE INSURANCE SOLUTIONS3 Filed as: AVANT GARDE INSURANCE SOLUTIONS | 2910 NEILSON WAY, UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $584 | — | $584 | 3.67% |
| AMY EVANS3 | 14358 MANOLIA BOULEVARD APT. 103 SHERMAN OAKS, CA 91423 | AFLAC | $192 | — | $192 | 1.21% |
| RICHARD J KUNZ3 Filed as: RICHARD J. KUNZ | 351 CALIFORNIA STREET, SUITE 450 SAN FRASICSO, CA 94104 | AFLAC | $109 | — | $109 | 0.68% |
| DAVID S JESSE3 Filed as: DAVID S. JESSE | 1853 PENNY ROYAL COURT MONUMENT, CO 80132 | AFLAC | $101 | — | $101 | 0.63% |
| LARA K GRANDE3 Filed as: LARA K. GRANDE | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | AFLAC | $98 | — | $98 | 0.62% |
| LYNETTE KAY DUTTON3 | 131 COUNTRYSIDE DRIVE FOREST CITY, NC 28043 | AFLAC | $81 | — | $81 | 0.51% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $799K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $799K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 530 | $895K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $257K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 532 | $257K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 530 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.