| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | AETNA HEALTH INC | $43K | $8K | $51K | 5.35% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | AETNA HEALTH INC | $9K | — | $9K | 0.93% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | AETNA LIFE INS CO | $19K | — | $19K | 4.54% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | AETNA LIFE INS CO | $4K | — | $4K | 0.93% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | SUN LIFE ASSURANCE CO OF CANADA | $14K | — | $14K | 9.81% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | UNUM LIFE INS CO OF AMERICA | $5K | — | $5K | 6.21% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINSTRATORS | POBOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE COMPANY | $495 | — | $495 | 3.00% |
| WORKPLACE SOLUTIONS, INC.4 Filed as: WORKPLACE SOLUTIONS INC | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $2K | — | $2K | 16.80% |
| JOHN MOODY3 Filed as: JOHN M. MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | UNUM INSURANCE COMPANY | $822 | — | $822 | 6.00% |
| WORKPLACE SOLUTIONS, INC.4 Filed as: WORKPLACE SOLUTIONS INC | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $4K | — | $4K | 38.64% |
| JOHN MOODY3 Filed as: JOHN M . MOODY | PO BOX 818 PALOS VERDES EST, CA 90274 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.43% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INS CO | 43 | $413K |
| Dental | SUN LIFE ASSURANCE CO OF CANADA | 148 | $144K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 131 | $16K |
| Life insurance | UNUM LIFE INS CO OF AMERICA | 968 | $86K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INS CO OF AMERICA | 968 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.