| 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 | $56K | — | $56K | 4.32% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS FINANCIAL & INS | 9891 IRVINE CENTER DR STE 200 IRVINE, CA 92618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.64% |
| 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 | 1.84% |
| SCOTT ROBINSON INS SVCS LLC3 | 20340 HAWTHORNE BLVD TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | — | $703 | 1.05% |
| 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 | $498 | — | $498 | 0.75% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 0.51% |
| SNAPENROLL LLC3 | 3737 BIRCH ST, STE 210 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 0.40% |
| RENAE DAPELLO TAHMIRA3 | 822 E 9TH STREET UPLAND, CA 91786 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.19% |
| EVERETT ECHAVEZ3 | 5530 W 190TH ST, #123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.09% |
| GAVIN DUNNE3 | 17203 VENTURA BLVD, #5 ENCINO, CA 91316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 18.71% |
| 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 | $591 | — | $591 | 7.15% |
| SCOTT ROBINSON INS SVCS LLC3 Filed as: SCOTT ROBINSON INS SVCS | 20340 HAWTHORNE BLVD, STE A TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | — | $345 | 4.17% |
| EVERETT ECHAVEZ3 | 5530 W 190TH STREET, # 123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.59% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $179K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $104K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $104K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $1.3M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.