| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD SUITE 14 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 16.18% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD SUITE 14 AGOURA HILLS, CA 91301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.00% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS. SVCS. LLC | 5210 LEWIS ROAD SUITE 14 AGOURA HILLS, CA 91301 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | EYEMED VISION CARE | $326 | $0 | $326 | 1.24% |
| JOHN R THOMAS3 Filed as: JOHN R. THOMAS | 1205 S HALLECK STREET DEMOTTE, IN 46310 | EYEMED VISION CARE | -$34 | $0 | -$34 | -0.13% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD SUITE 14 AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $195 | $14K | 58.18% |
| CHARLES BOGUE3 | 510 W 6TH STREET #815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.31% |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 53 | $25K |
| Vision | EYEMED VISION CARE | 207 | $26K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $145K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $73K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.