| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 5990 SEPULVEDA BLVD. VAN NUYS, CA 91411 | AETNA LIFE INSURANCE CO. | $89K | — | $89K | 2.65% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | AETNA LIFE INSURANCE CO. | $76K | — | $76K | 2.27% |
| MOMENTOUS INSURANCE BROKERAGE, INC.3 Filed as: MOMENTOUS INS BROKERAGE | 5990 SEPULVEDA BLVD. SUITE 550 VAN NUYS, CA 91411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $3K | $50K | 15.54% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 728 N. LUCIA AVE. UNIT B REDONDO BEACH, CA 90277 | AFLAC | $647 | $38 | $685 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 5990 SEPULVEDA BLVD. SUITE 550 VAN NUYS, CA 91411 | AFLAC | $286 | — | $286 | 2.07% |
| RENEE SUZANNE CORSO3 | 16000 VENTURA BLVD. SUITE 1120 ENCINO, CA 91436 | AFLAC | $153 | — | $153 | 1.11% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA SUITE 202 CALABASAS, CA 91302 | AFLAC | $90 | — | $90 | 0.65% |
| RICHARD J KUNZ3 Filed as: RICHARD J. KUNZ | 601 MONTGOMERY ST. SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $78 | — | $78 | 0.57% |
| ECHO NEO NINJA INS SOLUTIONS3 Filed as: ECHO NEO NINJA INSURANCE SOLUTIONS | 4500 PARK GRANADA SUITE 202 CALABASAS, CA 91302 | AFLAC | $52 | — | $52 | 0.38% |
| YVES ATLAN3 | 3230 OVERLAND AVE. APT. 319 LOS ANGELES, CA 90034 | AFLAC | $42 | $4 | $46 | 0.33% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH ST. BOCA RATON, FL 33434 | AFLAC | $24 | — | $24 | 0.17% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $19 | — | $19 | 0.14% |
| DEWITT STERN OF CALIFORNIA LLC3 | 801 N. BRAND BLVD. SUITE 650 GLENDALE, CA 91203 | AFLAC | $18 | — | $18 | 0.13% |
| GEORGE E ARBID3 Filed as: GEORGE E. ARBID | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $17 | — | $17 | 0.12% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $16 | — | $16 | 0.12% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 14747 N. NORTHSIGHT BLVD. SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $11 | — | $11 | 0.08% |
| AMY EVANS3 | 4932 N. NORTH MAYWOOD AVE. LOS ANGELES, CA 90041 | AFLAC | $10 | — | $10 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. STACHOWIAK | 321 N. CLARK ST. SUITE 615 CHICAGO, IL 60654 | AFLAC | $7 | — | $7 | 0.05% |
| CHRISTOPHER HAGER3 | 44 COLONIAL DR. RANCHO MIRAGE, CA 92270 | AFLAC | $4 | — | $4 | 0.03% |
| MICHAEL R. FISHER3 | 50 W. LEMON AVE. SUITE 2 MONROVIA, CA 91016 | AFLAC | $4 | — | $4 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | 1431 NE 55TH ST. FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.01% |
| LARA K GRANDE3 Filed as: LARA K. GRANDE | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.01% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 393 | $3.3M |
| Dental | AETNA LIFE INSURANCE CO. | 393 | $3.3M |
| Vision | AETNA LIFE INSURANCE CO. | 393 | $3.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 393 | $3.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.