| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 4.00% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS FINANCIAL & INS | 7140 COTTEGE GROVE DR CORONA, CA 92880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 13.71% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS JSL BENEFITS AND INS SVCS | 9891 IRVINE CTR DR, STE 200 IRVINE, CA 92618 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.03% |
| RENAE DAPELLO TAHMIRA3 | 822 E 9TH STREET UPLAND, CA 91786 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.57% |
| SCOTT ROBINSON INS SVCS LLC3 | 20340 HAWTHORNE BLVD TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.15% |
| SNAPENROLL LLC3 | 3737 BIRCH ST, STE 210 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY | 10833 VALLEY VIEW ST, STE 550 CYPRESS, CA 90630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| EVERETT ECHAVEZ3 | 5530 W 190TH ST, #123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $626 | — | $626 | 0.69% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $417 | — | $417 | 0.46% |
| GAVIN DUNNE3 | 17203 VENTURA BLVD, #5 ENCINO, CA 91316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.10% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $6K | $18K | 25.60% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS JSL BENEFITS AND INS SVCS | 9891 IRVINE CTR DR, STE 200 IRVINE, CA 92618 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $782 | — | $782 | 7.25% |
| SCOTT ROBINSON INS SVCS LLC3 Filed as: SCOTT ROBINSON INS SVCS | 20340 HAWTHORNE BLVD, STE A TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $456 | — | $456 | 4.23% |
| EVERETT ECHAVEZ3 | 5530 W 190TH STREET, # 123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 0.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CALIFORNIA DENTAL NETWORK, INC. | $649 | — | $649 | 10.01% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $1.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $81K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $75K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $205K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $1.0M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.