| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOMENTOUS INSURANCE BROKERAGE, INC.3 Filed as: MOMENTOUS INSURANCE BROKERAGE INC. | 5990 SEPULVEDA BLVD. 550 VAN NUYS, CA 91411 | UNITEDHEALTHCARE INSURANCE COMPANY | $133K | — | $133K | 5.49% |
| MOMENTOUS INSURANCE BROKERAGE, INC.3 Filed as: MOMENTOUS INSURANCE BROKERAGE | 5990 SEPULVEDA BLVD, SUITE 550 VAN NUYS, CA 91411 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $457 | $27K | 15.25% |
| MOMENTOUS INSURANCE BROKERAGE, INC.3 Filed as: MOMENTOUS INSURANCE BROKERAGE | 5990 SEPULVEDA BLVD. STE 550 VAN NUYS, CA 91411 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 9.94% |
| AVANT-GARDE INSURANCE SOLUTIONS3 Filed as: AVANT GARDE INSURANCE SOLUTIONS | 728 N LUCIA AVE. REDONDO BEACH, CA 90277 | AFLAC | $1K | $38 | $1K | 5.47% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD. ST 700 SHERMAN OAKS, CA 91411 | AFLAC | $337 | — | $337 | 1.71% |
| MOMENTOUS INSURANCE BROKERAGE, INC.3 Filed as: MOMENTOUS INSURANCE BROKERAGE INC. | 5990 SEPULVEDA BLVD. STE 550 VAN NUYS, CA 91411 | AFLAC | $324 | — | $324 | 1.65% |
| RICHARD J KUNZ3 | 601 MONTGOMERY ST. STE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $194 | — | $194 | 0.99% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA STE 202 CALABASAS, CA 91302 | AFLAC | $128 | $19 | $147 | 0.75% |
| ECHO NEO NINJA INS SOLUTIONS3 | 4500 PARK GRANADA CALABASAS, CA 91302 | AFLAC | $95 | $19 | $114 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 5990 SEPULVEDA BLVD. STE 550 VAN NUYS, CA 91411 | AFLAC | $95 | — | $95 | 0.48% |
| ADAM H MICHAELS3 | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $55 | — | $55 | 0.28% |
| AMY EVANS3 | 4932 N. NORTH MAYWOOD AVE. LOS ANGELS, CA 90041 | AFLAC | $52 | — | $52 | 0.26% |
| DEWITT STERN OF CALIFORNIA LLC3 Filed as: DEWITT STERN OF CALIFORNIA | 801 N BRAND BLVD. STE 650 GLENDALE, CA 91203 | AFLAC | $34 | — | $34 | 0.17% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST. FT LAUDERDALE, FL 33308 | AFLAC | $32 | — | $32 | 0.16% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $23 | — | $23 | 0.12% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $23 | — | $23 | 0.12% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE. LOS ANGELES, CA 90045 | AFLAC | $13 | — | $13 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST. STE 615 CHICAGO, IL 60654 | AFLAC | $9 | — | $9 | 0.05% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W. LEMON AVE. STE 2 MONROVIA, CA 91016 | AFLAC | $4 | — | $4 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS | 1431 NE 55TH ST. FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.01% |
| LARA K GRANDE3 | 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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $177K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.