| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 1.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 1.37% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $787 | $32K | 1.33% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 0.92% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.85% |
| PATRIOT GROWTH INSURANCE SERVICES5 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.41% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR SUITE 500 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.27% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 31248 OAK CREST DR., SUITE 140 WESTLAKE VILLAGE, CA 91361 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 S GRAND AVE STE 3410 LOS ANGELES, CA 90071 | AMERITAS LIFE INSURANCE CORP. | $367 | — | $367 | 1.72% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $891 | $2K | 15.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $798 | — | $798 | 5.44% |
| PATRIOT GROWTH INSURANCE SERVICES5 | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $336 | $336 | 2.29% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY STE 750 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $297 | $297 | 2.02% |
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 | 216 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 142 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $89K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.