| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 106 W. LIME AVENUE MONROVIA, CA 91016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $101K | — | $101K | 5.41% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 WEST GLENOAKS BLVD. GLENDALE, CA 91202 | GUARDIAN | $7K | — | $7K | 13.49% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | GUARDIAN | $5K | — | $5K | 9.38% |
| WILLNER-MARCH-WHITTEKER3 Filed as: WILLNER-WHITTEKER INSURANCE | 1550 W. COLORADO BLVD. PASADENA, CA 91105 | GUARDIAN | $70 | — | $70 | 0.14% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.44% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | HOLMAN FAMILY COUNSELING CENTERS | $3K | — | $3K | 10.00% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $1.9M |
| Dental | GUARDIAN | 239 | $50K |
| Vision | GUARDIAN | 239 | $50K |
| Life insurance | GUARDIAN | 239 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $1.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 239 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.