| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACEA INSURANCE SERVICES3 | 311 S SPRING ST WASHINGTON BUILDING LOS ANGELES, CA 900131211 | METROPOLITAN LIFE INSURANCE COMPANY | — | $171 | $171 | 0.01% |
| LOS ANGELES CITY EMPLOYEES ASSOC.3 | 311 S SPRING STREET STE 1300 LOS ANGELES, CA 90013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $410K | $410K | 18.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REDWOOD HEALTH SERVICES EIN 94-2349739 PARTY IN INTEREST | Other fees Service code 99 | — | $517K |
| DP SAN RAFAEL LLC EIN 20-1745739 PARTY IN INTEREST | Other fees Service code 99 | — | $247K |
| JOHN HAWKINS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $183K |
| BRIAN TRENT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $164K |
| P. LEIGH THOMPSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $138K |
| ARLENE HERRERO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $131K |
| SUMMY LAM EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $121K |
| ROBERTO LARIOS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $118K |
| CECILIA TALBOT-CAMACHO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $113K |
| NOELLE KAUFFMAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $109K |
| TUYET TRINH PHAM EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $108K |
| JOHN MONAHAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $99K |
| HAVA BROWN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $98K |
| ALAN BOUND EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $95K |
| PETROS KHACHATRIAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $94K |
| MARIANA LANDAETA-GUEVARA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $91K |
| OSI BEYOND LLC EIN 20-0471383 PARTY IN INTEREST | Other fees Service code 99 | — | $81K |
| ANGEL GOMEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $80K |
| AMERICAN DIRECT MAIL EIN 95-1582580 PARTY IN INTEREST | Other fees Service code 99 | — | $79K |
| PRATHIMA VAIDYA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $78K |
| CAROLE LOVATO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $72K |
| CHERYL MARTIN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $68K |
| GEDINA BERGSTROM EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $64K |
| MICHAEL ANDERSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $63K |
| GEEKTECK IT SERVICES EIN 27-4451140 PARTY IN INTEREST | Other fees Service code 99 | — | $62K |
| JIM THOMPSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $58K |
| GUADALUPE LIRA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $57K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PARTY IN INTEREST | Other fees Service code 99 | — | $57K |
| MEGAN ECKERT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $53K |
| DALILA VIELMA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $51K |
| JEANETTE GADUT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $47K |
| MONICA ZAMUDIO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $46K |
| BROADWAY SPRING CENTER EIN 95-3675136 PARTY IN INTEREST | Other fees Service code 99 | — | $43K |
| CLARA FLORES EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $41K |
| MARYANN URDIALES EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $40K |
| MIA GARCIA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $39K |
| DYLAN NOEL EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $37K |
| CITALI BON SANCHEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $35K |
| RONALD CORTEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $34K |
| RAUL SALGADO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $34K |
| REBECCA DEBOLT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $33K |
| VISION SERVICE PLAN EIN 94-1632821 PARTY IN INTEREST | Other fees Service code 99 | — | $25K |
| ALLISON O'BRIEN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $23K |
| TIFFANY SY ANDERSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $23K |
| STRATEGIC EMPLOYMENT, INC. EIN 20-8759672 PARTY IN INTEREST | Other fees Service code 99 | — | $21K |
| JALELIA SOLOMON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $20K |
| KARINA LOPEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $19K |
| NOAH HAWKINS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $18K |
| SAFEGUARD BUSINESS SYSTEMS EIN 23-1689322 PARTY IN INTEREST | Other fees Service code 99 | — | $17K |
| CRISTINA RAMOS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $15K |
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 | 46,257 | 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) | 46,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,633 | $3.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,633 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,633 | — |
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.