| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIU FONG LAM3 Filed as: MIU F. LAM | PO BOX 1195 ARCADIA, CA 91077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $785 | $0 | $785 | 3.21% |
| MARSHALL MCDONALD3 | 415 DAVIDSON GATEWAY DRIVE APARTMENT 7 DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | $0 | $292 | 1.19% |
| TODD V MASON3 Filed as: TODD V. MASON | 110 PINE AVENUE, SUITE 3710 LONG BEACH, CA 90802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | $0 | $130 | 0.53% |
| MICHAEL R. FISHER3 | 1540 SOUTH FAIRFAX AVENUE LOS ANGELES, CA 90019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.16% |
| JOANNA G MATHERLY3 Filed as: JOANNA G. PEOPLE | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.14% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 9018 BALBOA BOULEVARD, SUITE 254 NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.13% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS AND OTHER AGENTS | 600 NORTH ROSE BOULEVARD LOS ANGELES, CA 90049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.09% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 151 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.