| 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 | $584K | $161K | $746K | 23.21% |
| LOS ANGELES CITY EMPLOYEES ASSOC.3 | 311 S SPRING STREET STE 1300 LOS ANGELES, CA 90013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $388K | $388K | 18.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REDWOOD HEALTH SERVICES EIN 94-2349739 PARTY IN INTEREST | Other fees Service code 99 | — | $515K |
| DP SAN RAFAEL LLC EIN 20-1745739 PARTY IN INTEREST | Other fees Service code 99 | — | $264K |
| JOHN HAWKINS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $209K |
| BRIAN TRENT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $207K |
| P. LEIGH THOMPSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $176K |
| ROBERTO LARIOS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $147K |
| ANGEL GOMEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $142K |
| ARLENE HERRERO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $138K |
| SUMMY LAM EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $135K |
| TUYET TRINH PHAM EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $134K |
| CECILIA TALBOT-CAMACHO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $132K |
| OSI BEYOND LLC EIN 20-0471383 PARTY IN INTEREST | Other fees Service code 99 | — | $126K |
| NOELLE KAUFFMAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $122K |
| CHERYL MARTIN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $114K |
| JOHN MONAHAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $110K |
| PETROS KHACHATRIAN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $107K |
| ALAN BOUND EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $102K |
| MARIANA LANDAETA-GUEVARA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $101K |
| PRATHIMA VAIDYA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $91K |
| JIM THOMPSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $73K |
| GUADALUPE LIRA 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 | — | $65K |
| TIFFANY SY ANDERSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $61K |
| MONICA ZAMUDIO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $59K |
| AMERICAN MAILING SERVICE, INC. EIN 95-1582580 PARTY IN INTEREST | Other fees Service code 99 | — | $59K |
| DALILA VIELMA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $58K |
| CLARA FLORES EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $56K |
| JEANETTE GADUT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $54K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PARTY IN INTEREST | Other fees Service code 99 | — | $50K |
| MARYANN URDIALES EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $50K |
| CITALI BON SANCHEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $49K |
| MEGAN ECKERT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $48K |
| DEANGELO THOMPSON EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $45K |
| DYLAN NOEL EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $44K |
| CRISTINA RAMOS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $44K |
| RONALD CORTEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $38K |
| HAVA BROWN EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $38K |
| MIA GARCIA EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $37K |
| RAUL SALGADO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $35K |
| REBECCA DEBOLT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $32K |
| VISION SERVICE PLAN EIN 94-1632821 PARTY IN INTEREST | Other fees Service code 99 | — | $26K |
| EDITH BON SANCHEZ EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $21K |
| NOAH HAWKINS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $21K |
| GENESIS MARTINEZ-FLORES EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $19K |
| TPX COMMUNICATIONS EIN 95-4593876 PARTY IN INTEREST | Other fees Service code 99 | — | $17K |
| MIKAYLA DOOLEY-SPRAGUE EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $16K |
| SOPHIA HAWKINS EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $15K |
| YARESSY RAYMUNDO EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $14K |
| SAFEGUARD BUSINESS SYSTEMS EIN 23-1689322 PARTY IN INTEREST | Other fees Service code 99 | — | $13K |
| NOAH BADGETT EIN 95-1667955 PARTY IN INTEREST | Other fees Service code 99 | — | $12K |
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 | 48,483 | 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) | 48,483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,457 | $3.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,457 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,457 | — |
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.