| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE STE 4500 LOS ANGELES, CA 90071 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 5.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 19.08% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LEASING CENTER 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | -$12K | — | -$12K | -9.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.14% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PH STE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 20.82% |
| CAMERON J BELL3 | 2390 CRENSHAW BLVD STE 307 TORRANCE, CA 90501 | AFLAC | $470 | — | $470 | 3.48% |
| DAVID HERNANDEZ3 | 2239 W 190TH ST TORRANCE, CA 90504 | AFLAC | $229 | — | $229 | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2393 TOWNSGATE RD STE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $226 | — | $226 | 1.67% |
| JENNIFER ESHAGHIAN3 | 15906 VALLEY VISTA BLVD ENCINO, CA 91436 | AFLAC | $146 | — | $146 | 1.08% |
| TARYN REED3 | 121 VIA EL CHICO REDONDO BEACH, CA 90277 | AFLAC | $110 | — | $110 | 0.81% |
| JUAN C FERLINI3 | 2984 SUNSET SMT NEW BRAUNFELS, TX 78130 | AFLAC | $105 | — | $105 | 0.78% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 6167 BRISTOL PKWY STE 106 CULVER CITY, CA 90230 | AFLAC | $102 | — | $102 | 0.75% |
| ADAM H MICHAELS3 | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $59 | — | $59 | 0.44% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $50 | — | $50 | 0.37% |
| SHIRLEY STEISE HAGER3 | 8021 TRUXTON AVE LOS ANGELES, CA 90045 | AFLAC | $33 | — | $33 | 0.24% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 2239 W 190TH ST TORRANCE, CA 90504 | AFLAC | $31 | — | $31 | 0.23% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BLVD STE 210 COMMERCE, CA 90040 | AFLAC | $26 | — | $26 | 0.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST STE 615 CHICAGO, IL 60654 | AFLAC | $18 | — | $18 | 0.13% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE LOS ANGELES, CA 90045 | AFLAC | $15 | — | $15 | 0.11% |
| HAROUT DOLMAJIAN3 | 2140 N HOLLYWOOD WAY 11195 BURBANK, CA 91505 | AFLAC | $6 | — | $6 | 0.04% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $3 | — | $3 | 0.02% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $3 | — | $3 | 0.02% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111 - 454 SCOTTSDALE, AZ 85260 | AFLAC | $1 | — | $1 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PL STE 370 RANCHO CORDOVA, CA 95670 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $975 | — | $975 | 12.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $325 | — | $325 | 4.23% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $119K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 304 | $132K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.