| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN KRONER3 | 21600 OXNARD ST SUITE 645 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $235K | $17K | $252K | 16.21% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN ST STE 800 SANTA ANA, CA 92705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $87K | $87K | 5.61% |
| RYAN KRONER3 Filed as: RYAN LEE KRONER | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | PRINCIPAL LIFE INSURANCE COMPANY | $58K | — | $58K | 10.32% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 W. MAIN ST STE 800 SANTA ANNA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURER | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $192K |
| CIGNA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 545 | 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) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 631 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 936 | $566K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 936 | $566K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 936 | $566K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 936 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.