| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $63K | $24 | $63K | 4.34% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 725 S. FIGUEROA 35TH FLOOR LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | — | $138 | $138 | 0.01% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA HEALTH INC. | $34K | — | $34K | 4.48% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 9.86% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 10.01% |
| TBG WEST INSURANCE SERVICES | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 20.12% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.18% |
| TBG WEST INSURANCE SERVICES Filed as: TBG WEST INSURANCE SERVICE | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 20.01% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 132 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 336 | $225K |
| Vision | VISION SERVICE PLAN | 135 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $306K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $289K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.