| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | $0 | $35K | 6.97% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 Filed as: TRAPANI DICKINS & ASSOC EMP BEN | 515 S FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 9.36% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 130 N. BRAND BOULEVARD, SUITE 130 GLENDALE, CA 91203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.74% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 7.63% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $12K | 11.72% |
| CONSOLIDATED FINANCIAL0 | C/0 NEIL WILLNER 1928 RIMCREST DR. GLENDALE, CA 91207 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123 | $0 | $123 | 0.12% |
| WILLNER-CARDINET-KIDWELL3 | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.02% |
| BARTON J. DICKINS3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 14.97% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13 | $13 | 0.01% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $220 | $5K | 15.75% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPL. BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $578 | $2K | 18.94% |
| CONSOLIDATED FINANCIAL0 | C/O NEIL WILLNER 1928 RIMCREST DR. GLENDALE, CA 91207 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | $0 | $25 | 0.26% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC EMPL BEN | 515 S FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $474 | $0 | $474 | 5.34% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 Filed as: TRAPANI DICKINS & ASSOC. EMP BEN. | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $600 | $0 | $600 | 20.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 104 | $921K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $100K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $212K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 28 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $182K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $423K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.