| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS INC | 2400 WEST CARSON STREET SUITE 225 TORRANCE, CA 90501 | HEALTH NET | $58K | $0 | $58K | 3.18% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HEALTH NET | $15K | $0 | $15K | 0.83% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE SERVICES | 2400 WEST CARSON STREET SUITE 225 TORRANCE, CA 90501 | HEALTH NET | $15K | $0 | $15K | 0.81% |
| PNL BENEFITS INCORPORATED3 | 2400 W CARSON STREET SUITE 225 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $853 | $0 | $853 | 0.39% |
| DAVID JACOB HOLPER3 Filed as: DAVID LEBENTAL | 2400 W CARSON STREET SUITE 225 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC | $681 | $0 | $681 | 0.31% |
| PNL BENEFITS INCORPORATED3 Filed as: PNL BENEFITS, INC | 2400 WEST CARSON STREET SUITE 225 TORRANCE, CA 90501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 13.64% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.36% |
| DAVID JACOB HOLPER3 Filed as: DAVID HOLPER | 22937 ARLINGTON AVENUE, SUITE 102 TORRANCE, CA 90501 | AFLAC | $2K | $0 | $2K | 5.46% |
| ACEVES INSURANCE SERVICES INC.3 Filed as: ACEVES INSURANCE SERVICES INC | 9959 BROOKSHIRE AVENUE DOWNEY, CA 90240 | AFLAC | $2K | $0 | $2K | 4.18% |
| MJ INSURANCE3 Filed as: NICHOLAS GREEN & VARIOUS AGENTS | 10541 CALLE LEE, SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $641 | $0 | $641 | 1.57% |
| MARK H MAZZA3 Filed as: MARK MAZZA | 1070 SOUTH RIMWOOD DRIVE ANAHEIM, CA 92807 | AFLAC | $480 | $0 | $480 | 1.17% |
| CASSANDRA GREEN3 Filed as: CASSANDRA GREET | 10541 CALLE LEE, SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $421 | $0 | $421 | 1.03% |
| KRISTEN BRUNZELL3 | 340 EAST 1ST STREET TUSTIN, CA 92781 | AFLAC | $260 | $0 | $260 | 0.63% |
| JASON N DOIG3 Filed as: JASON DOIG | 1932 EAST DEERE AVENUE, SUITE 240 SANTA ANA, CA 92705 | AFLAC | $251 | $0 | $251 | 0.61% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 302 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $173K |
| Vision | HEALTH NET | 302 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | HEALTH NET | 302 | $1.9M |
| Short-term disability | AFLAC | 68 | $41K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 302 | $2.0M |
| Other(2 contracts, 2 carriers) | HEALTH NET | 302 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.