| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 3.94% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.53% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 9.26% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 13.84% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 9.50% |
| KESSLER, CHARLES, BRADFORD3 | P.O. BOX 1120 CLAREMONT, CA 91711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $945 | — | $945 | 4.56% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $61 | — | $61 | 4.52% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $30 | — | $30 | 4.62% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $11 | — | $11 | 4.72% |
| KESSLER ALAIR INSURANCE SERVICES3 | 12487 N MAINSTREET, SUITE 240 RANCHO CUCAMONGA, CA 91739 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $7 | — | $7 | 4.40% |
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 | 1,272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,369 | $707K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $652K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $308K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $308K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $791K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.