| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | ANTHEM BLUE CROSS LIFE AND HEALTH INS. CO. | $112K | $0 | $112K | 3.36% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | KAISER FOUNDATION HEALTH PLAN | $13K | $0 | $13K | 4.00% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | UNION SECURITY INSURANCE COMPANY | $24K | $4K | $28K | 12.08% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | UNION SECURITY INSURANCE COMPANY | $16K | $2K | $18K | 9.01% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.41% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $0 | $782 | 3.71% |
| CARLA MAGARITY3 | 22071 MARTINEZ STREET WOODLAND HILLS, CA 91364 | UDC DENTAL OF CALIFORNIA, INC. | $415 | $42 | $457 | 11.00% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INS. CO. | 235 | $3.7M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 219 | $208K |
| Vision | UNION SECURITY INSURANCE COMPANY | 286 | $231K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 286 | $252K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 286 | $231K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 286 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.