| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMP INS SVS | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 4.98% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMP INS SVS | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 12.48% |
| BARTON J. DICKINS3 | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.75% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMP INS SVS | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.01% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMP INS SVS | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $168 | $4K | 14.62% |
| MJ INSURANCE3 Filed as: F. Y. KORENBERG AND VARIOUS AGENTS | 6055 EAST WASHINGTON BOULEVARD SUITE 955 COMMERCE, CA 90040 | AFLAC | $336 | $11 | $347 | 3.25% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 955 COMMERCE, CA 90040 | AFLAC | $315 | — | $315 | 2.95% |
| ROBERT J. PHILIBOSIAN3 | 3107 BIANCA CIRCLE SIMI VALLEY, CA 93063 | AFLAC | $269 | — | $269 | 2.52% |
| MARISOL PORTILLO MATA3 | PO BOX 800862 SANTA CLARITA, CA 91380 | AFLAC | $167 | $28 | $195 | 1.82% |
| LILY FREGOSO3 | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $158 | $28 | $186 | 1.74% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 2881 NE 32ND STREET, SUITE 120 FORT LAUDERDALE, FL 33306 | AFLAC | $138 | — | $138 | 1.29% |
| OSCAR FREGOSO3 | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $98 | $11 | $109 | 1.02% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $202K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $202K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $226K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $202K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $1.9M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.