| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROSSLIGHT INSURANCE INC.3 Filed as: GROSSLIGHT INSURANCE, INC. | 1333 WESTWOOD BOULEVARD LOS ANGELES, CA 90024 | AETNA | $26K | $0 | $26K | 4.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | UNKNOWN DALLAS, TX 75244 | AETNA | $8K | $0 | $8K | 1.41% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BOULEVARD SUITE 200 LOS ANGELES, CA 90024 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS INC. | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.83% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BOULEVARD SUITE 200 LOS ANGELES, CA 90024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.63% |
| CHARLES BOGUE3 Filed as: CHARLES BOGUE CLU | 510 W 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | $0 | $36 | 0.22% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BOULEVARD SUITE 200 LOS ANGELES, CA 90024 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $568 | $0 | $568 | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS INC. | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $284 | $0 | $284 | 4.56% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 77 | $564K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $90K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $83K |
| Life insurance(3 contracts, 3 carriers) | AETNA | 164 | $647K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $83K |
| Prescription drug | AETNA | 77 | $564K |
| Other(2 contracts, 2 carriers) | AETNA | 164 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.