| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | 3300 SEPULVEDA BOULEVARD TORRANCE, CA 90505 | AETNA HEALTH, INC. | $51K | — | $51K | 3.98% |
| EMPLOYERS RESOURCEGROUP FINANCIAL3 | 3300 SEPULVEDA BOULEVARD TORRANCE, CA 90505 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.04% |
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | 3300 SEPULVEDA BOULEVARD TORRANCE, CA 90505 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| EMPLOYERS RESOURCE GROUP FINANCIAL3 | 3300 SEPULVEDA BOULEVARD TORRANCE, CA 90505 | VISION SERVICE PLAN | $924 | — | $924 | 6.44% |
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. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 182 | $1.4M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $111K |
| Vision | VISION SERVICE PLAN | 92 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $111K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 182 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.