| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $35K | $174 | $36K | 3.28% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS AND ASSOCIATES | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.33% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA INC. | $27K | $8K | $35K | 4.30% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS AND ASSOCIATES | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | AETNA HEALTH OF CALIFORNIA INC. | $10K | $5K | $15K | 1.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMAPNIES, LLC | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.26% |
| BARTON J. DICKINS3 | 1436 EL VAGO STREET LA CANADA, CA 91011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.67% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.23% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS AND ASSOCIATES | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $202 | $4K | 17.24% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $203 | $3K | 13.28% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS AND ASSOCIATES | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $543 | $45 | $588 | 2.97% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $692 | $0 | $692 | 6.18% |
| MJ INSURANCE3 Filed as: LILY FREGOSO AND VARIOUS AGENTS | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $337 | $0 | $337 | 3.01% |
| ROBERT J. PHILIBOSIAN3 | 3107 BIANCA CIRCLE SIMI VALLEY, CA 93063 | AFLAC | $253 | $0 | $253 | 2.26% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 2881 NE 32ND STREET APARTMENT 120 FORT LAUDERDALE, FL 33306 | AFLAC | $76 | $0 | $76 | 0.68% |
| FRANCOISE YVONNE KOREBERG3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $67 | $0 | $67 | 0.60% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $60 | $0 | $60 | 0.54% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 2220 EAST ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $59 | $0 | $59 | 0.53% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $90 | $47 | $137 | 4.55% |
| MJ INSURANCE3 Filed as: OSCAR FREGOSO AND VARIOUS AGENTS | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $88 | $8 | $96 | 3.19% |
| ROBERT J. PHILIBOSIAN3 | 3107 BIANCA CIRCLE SIMI VALLEY, CA 93063 | AFLAC | $63 | $0 | $63 | 2.09% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $44 | $0 | $44 | 1.46% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $34 | $0 | $34 | 1.13% |
| FRANCOISE YVONNE KORENBERG3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $20 | $0 | $20 | 0.66% |
| ALFRED RIETKERK3 | 3210 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $15 | $0 | $15 | 0.50% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 119 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $214K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $214K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $255K |
| Short-term disability(2 contracts) | AFLAC | 14 | $14K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $214K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 119 | $1.9M |
| Other(7 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.