| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 7.04% |
| PINE AVENUE PARTNERS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.19% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 CAPITAL VIEW, MD 20910 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.96% |
| PINE AVENUE PARTNERS LLC3 | 444 WEST OCEAN BOULEVARD SUITE 1250 LONG BEACH, CA 90802 | UNION SECURITY INSURANCE COMPANY | $703 | — | $703 | 0.66% |
| JAMES LAURO3 Filed as: JAMES W LAURO | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $4K | $946 | $5K | 7.01% |
| JONATHAN PATRICK FAGAN3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $4K | $857 | $5K | 6.87% |
| MULROY INSURANCE AGENCY LLC3 | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $824 | $73 | $897 | 1.35% |
| MILLER FINANCIAL GROUP LLC3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $824 | $72 | $896 | 1.35% |
| PINE AVENUE PARTNERS LLC3 | 110 PINE AVENUE SUITE 310 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.95% |
| FINANCIAL BENEFIT SERVICE3 | 10543 METROPOLITAN AVENUE KENSINGTON, MD 20895 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.05% |
| JAMES LAURO3 Filed as: JAMES W LAURO | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $3K | $734 | $4K | 5.95% |
| JONATHAN PATRICK FAGAN3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $3K | $665 | $4K | 5.84% |
| MULROY INSURANCE AGENCY LLC3 | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $639 | $56 | $695 | 1.15% |
| MILLER FINANCIAL GROUP LLC3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $639 | $56 | $695 | 1.15% |
| PINE AVENUE PARTNERS LLC3 Filed as: PINE AVENUE PARTNERS, LLC | 110 PINE AVENUE SUITE 310 LONG BEACH, CA 90802 | VISION SERVICE PLAN | $161 | — | $161 | 0.80% |
| JAMES LAURO3 Filed as: JAMES W LAURO | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $1K | $271 | $1K | 7.69% |
| JONATHAN PATRICK FAGAN3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $1K | $246 | $1K | 7.55% |
| MILLER FINANCIAL GROUP LLC3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $236 | $21 | $257 | 1.48% |
| MULROY INSURANCE AGENCY LLC3 | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $236 | $21 | $257 | 1.48% |
| JAMES LAURO3 Filed as: JAMES W LAURO | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $583 | $149 | $732 | 4.63% |
| JONATHAN PATRICK FAGAN3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $583 | $135 | $718 | 4.54% |
| MILLER FINANCIAL GROUP LLC3 | 2201 EAST CAMELBACK ROAD SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $130 | $11 | $141 | 0.89% |
| MULROY INSURANCE AGENCY LLC3 | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $130 | $11 | $141 | 0.89% |
| PINE AVENUE PARTNERS LLC3 | 110 PINE AVENUE SUITE 310 LONG BEACH, CA 90802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $484 | — | $484 | 9.00% |
| FINANCIAL BENEFIT SERVICE3 | 10543 METROPOLITAN AVENUE KENSINGTON, MD 20895 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $323 | — | $323 | 6.01% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 127 | $106K |
| Vision | VISION SERVICE PLAN | 125 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $64K |
| Short-term disability(2 contracts) | NORTHWESTERN MUTUAL | 171 | $84K |
| Long-term disability(2 contracts) | NORTHWESTERN MUTUAL | 171 | $76K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $388K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.