| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $125K | $0 | $125K | 25.28% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 4.25% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $62K | $15K | $77K | 17.23% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | HARTFORD LIFE AND ACCIDENT | $7K | $475 | $8K | 1.78% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 3100 EAST MIRALOMA AVENUE SUITE 240 ANAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY | $44K | $0 | $44K | 27.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.07% |
| JAMES D DAVIDSON3 Filed as: JAMES DAVIDSON DUNCAN | 1820 EAST FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53K | $0 | $53K | 36.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $341 | $341 | 2.00% |
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 | 1,701 | 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) | 1,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $153K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $153K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,167 | $496K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,701 | $590K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 287 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $17K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,701 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,167 | — |
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.