| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTTMAN FINANCIAL3 | 6345 BALBOA BLVD., SUITE 290 ENCINO, CA 91316 | AETNA HEALTH, INC. | $33K | — | $33K | 5.05% |
| LEBHERZ INSURANCE SERVICES INC3 Filed as: LEBHERZ INSURANCE | 1600 W. HILSDALE BLVD. SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $13K | — | $13K | 2.02% |
| PARTNERS INSURANCE SERVICES3 | 6345 BALBOA BLVD., SUITE 290 ENCINO, CA 91316 | GUARDIAN | $7K | $3K | $10K | 13.77% |
| GUTTMAN FINANCIAL3 | 6345 BALBOA BLVD., SUITE 290 ENCINO, CA 91316 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.52% |
| LEBHERZ INSURANCE SERVICES INC3 Filed as: LEBHERZ INSURANCE | 1600 W. HILSDALE BLVD. SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $457 | — | $457 | 1.81% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 168 | $680K |
| Dental | GUARDIAN | 109 | $73K |
| Vision | GUARDIAN | 109 | $73K |
| Life insurance | GUARDIAN | 109 | $73K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 168 | $680K |
| Other | GUARDIAN | 109 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.