| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.81% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC. | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.30% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.62% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC. | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 13.64% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 13.71% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $857 | — | $857 | 1.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 13.67% |
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR ROAD SUITE 121 PALOS VERDES, CA 90275 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.21% |
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 | 3,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 146 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 176 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,613 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,613 | $2.8M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,550 | $388K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,182 | $490K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 640 | $243K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,613 | $4.3M |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,673 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,673 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.