| 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 | $1K | $0 | $1K | 3.51% |
| MARSHALL MCDONALD3 | 415 DAVIDSON GATEWAY DRIVE, SUITE 7 DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 1.31% |
| DAVID HERNANDEZ3 Filed as: DAVID W. ZIEGLER | PO BOX 3194 EL SEGUNDO, CA 90245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | $0 | $286 | 0.95% |
| TODD V MASON3 Filed as: TODD V. MASON | 110 PINE AVENUE, SUITE 3710 LONG BEACH, CA 90802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.59% |
| MJ INSURANCE3 Filed as: JOANNA G. PEOPLE AND VARIOUS AGENTS | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.38% |
| ANTHONY M. MENDOZA3 | 5399 PLAYA VISTA DRIVE, SUITE E431 PLAYA VISTA, CA 90094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.24% |
| MICHAEL R. FISHER3 | 50 WEST LEMON AVENUE, SUITE 2 MONROVIA, CA 91016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.17% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 151 | $30K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.