| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | CALIFORNIA PHYSICIANS SERVICE | $51K | $0 | $51K | 5.00% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 900712203 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | $0 | $21K | 5.38% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | DELTA DENTAL | $15K | $0 | $15K | 10.00% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $900 | $9K | 7.85% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | GERBER LIFE INSURANCE CO. | $2K | $0 | $2K | 11.46% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 191 | $1.4M |
| Dental | DELTA DENTAL | 296 | $153K |
| Vision | GERBER LIFE INSURANCE CO. | 104 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $120K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 191 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.