| 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 | $99K | — | $99K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 5990 SEPULVEDA BLVD. VAN NUYS, CA 91411 | AETNA | $69K | — | $69K | 2.22% |
| 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 | $39K | $3K | $42K | 13.45% |
| AVANT-GARDE INSURANCE SOLUTIONS3 Filed as: AVANT GARDE INSURANCE SOLUTIONS | 728 N LUCIA AVE. REDONDO BEACH, CA 90277 | AFLAC | $967 | — | $967 | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 5990 SEPULVEDA BLVD STE 550 VAN NUYS, CA 91411 | AFLAC | $452 | — | $452 | 3.01% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $179 | — | $179 | 1.19% |
| RICHARD J KUNZ3 | 601 MONTGOMERY ST. STE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $109 | — | $109 | 0.73% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA STE 202 CALABASAS, CA 91302 | AFLAC | $90 | — | $90 | 0.60% |
| PRINCIPAL INS SERVICE INC.3 | 11007 PALMS BLVD APT 212 LOS ANGELES, CA 90034 | AFLAC | $88 | — | $88 | 0.59% |
| ECHO NEO NINJA INS SOLUTIONS3 | 4500 PARK GRANDA STE 202 CALABASAS, CA 91302 | AFLAC | $53 | — | $53 | 0.35% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $45 | — | $45 | 0.30% |
| DEWITT STERN OF CALIFORNIA LLC3 | 801 N. BRAND BLVD. STE 650 GLENDALE, CA 91203 | AFLAC | $27 | — | $27 | 0.18% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $25 | — | $25 | 0.17% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $25 | — | $25 | 0.17% |
| BRIAN GEORGE JAEGGI3 | 8591 DYNASTY DR. BOCA RATON, FL 33433 | AFLAC | $23 | — | $23 | 0.15% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N. NORTHSIGHT BLVD. SCOTTSDALE, AZ 85260 | AFLAC | $15 | — | $15 | 0.10% |
| AMY EVANS3 | 4932 N NORTH MAYWOOD AVE. LOS ANGELES, CA 90041 | AFLAC | $9 | — | $9 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N. CLARK ST. STE 615 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.05% |
| CHRISTOPHER HAGER3 | 8021 TREXTON AVE. LOS ANGELES, CA 90045 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W. LEMON AVE. STE 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 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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 387 | $3.1M |
| Dental | AETNA | 387 | $3.1M |
| Vision | AETNA | 387 | $3.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $310K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $310K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.