| 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. | $45K | $0 | $45K | 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 | $34K | $0 | $34K | 9.09% |
| 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 | $14K | $14K | 3.64% |
| 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 | $12K | $2K | $15K | 8.24% |
| DIGITAL INSURANCE LLC3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 10.87% |
| CONSOLIDATED FINANCIAL0 | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $125 | $0 | $125 | 0.12% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | 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 | 14.86% |
| 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 | $5K | $398 | $5K | 16.25% |
| DIGITAL INSURANCE LLC3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 900713101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $389 | $2K | 16.72% |
| CONSOLIDATED FINANCIAL0 | C/O NEIL WILLNER 1928 RIMCREST DR. GLENDALE, CA 91207 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 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 | $389 | $0 | $389 | 4.34% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 SOUTH FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $690 | $45 | $735 | 21.30% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 116 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $102K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $208K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 28 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $176K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $377K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.