| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | $0 | $94K | 1.42% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTHCARE OF CALIFORNIA | $26K | $0 | $26K | 1.23% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $0 | $53K | 5.31% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 2.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 100 BAYVIEW CIRCLE NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.00% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 7.38% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | VISION SERVICE PLAN | $13K | $0 | $13K | 10.00% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | HYATT LEGAL PLANS | $3K | $0 | $3K | 10.06% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 10.00% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.01% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $852 | $0 | $852 | 12.45% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | LLOYD'S OF LONDON | $640 | $0 | $640 | 9.70% |
| THOMAS MEANS3 Filed as: THOMAS SEIGNER | 2024 WOODBURN AVENUE WESTLAKE VILLAGE, CA 91361 | FOUR EVER LIFE INSURANCE COMPANY | $948 | $0 | $948 | 14.99% |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 539 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 732 | $1.0M |
| Vision | VISION SERVICE PLAN | 739 | $134K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 704 | $255K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 359 | $21K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 704 | $255K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 539 | $6.6M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 720 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.