| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM EMPLOYEE BENEFITS | 3605 LONG BEACH BLVD. STE 410 LONG BEACH, CA 90807 | AETNA HEALTH, INC. | $28K | — | $28K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWN INS ADMIN INC | 721 S PARKER STE 300 ORANGE, CA 92868 | AETNA HEALTH, INC. | $11K | — | $11K | 1.38% |
| CUSTOM EMPLOYEE BENEFITS | 3605 LONG BEACH BLVD. STE. 410 LONG BEACH, CA 90807 | AETNA LIFE INSURANCE CO | $9K | — | $9K | 6.12% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWN INS ADMIN INC | 721 S PARKER STE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 1.96% |
| CUSTOM EMPLOYEE BENEFITS3 | 3605 LONG BEACH BLVD. STE. 410 LONG BEACH, CA 90807 | UNITED OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CUSTOM EMPLOYEE BENEFITS3 | 3605 LONG BEACH BLVD. STE. 410 LONG BEACH, CA 90807 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CUSTOM EMPLOYEE BENEFITS3 | 3605 LONG BEACH BLVD STE. 410 LONG BEACH, CA 90807 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CUSTOM EMPLOYEE BENEFITS3 | 3605 LONG BEACH BLVD. STE. 410 LONG BEACH, CA 90807 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ABRAMS MARKETING INC3 | 9538 W PICO BLVD LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | $437 | $2K | 56.14% |
| WESTERN HEALTH INSURANCE SERVICES3 | 3605 LONG BEACH BLVD LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $744 | — | $744 | 23.26% |
| TAMARA DENISE CHEZICK3 | 10020 MASON CHATSWORTH, CA 91311 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $72 | $2 | $74 | 2.31% |
| MARK BRUORTON | 32929 TRESTLE LANE TEMECULA, CA 92592 | SENTRY LIFE INSURANCE COMPANY | $30 | — | $30 | 3.53% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 130 | $141K |
| Dental | AETNA LIFE INSURANCE CO | 130 | $141K |
| Life insurance(4 contracts, 3 carriers) | UNITED OMAHA LIFE INSURANCE COMPANY | 132 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $12K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 31 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.