| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAPANI DICKINS & ASSOCIATES3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE CO. | $54K | $0 | $54K | 5.79% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $14K | $0 | $14K | 1.53% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 80 SOUTH 8TH STREET SUITE 4567 MINNEAPOLIS, MN 554022224 | AETNA LIFE INSURANCE CO. | $1K | $0 | $1K | 0.14% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMPL BENEF | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $422 | $6K | 10.09% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMPLY BENEF | 515 S. FLOWER ST., STE. 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $292 | $6K | 15.75% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMPL BENEF | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $148 | $3K | 15.78% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.66% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 264 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 264 | $927K |
| Vision | VISION SERVICE PLAN | 105 | $19K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 264 | $966K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $56K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 264 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.