| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G JAMES LENTINI3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | AETNA HEALTH, INC. | $14K | — | $14K | 3.84% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA HEALTH, INC. | $7K | — | $7K | 1.89% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BLVD. SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $3K | — | $3K | 0.77% |
| GASPER J. LENTINI3 Filed as: GASPER LENTINI | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 3.08% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 2.22% |
| G JAMES LENTINI3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.24% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.34% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BLVD. SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| LENTINI, GASPER, JAMES3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.82% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.57% |
| LENTINI, GASPER, JAMES3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $596 | — | $596 | 8.52% |
| LENTINI, GASPER, JAMES3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 7.97% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $212 | — | $212 | 7.01% |
| LENTINI, GASPER, JAMES3 | 24359 WALNUT STREET, SUITE B SANTA CLARITA, CA 91321 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 8.39% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 158 | $837K |
| Dental | AETNA LIFE INSURANCE COMPANY | 158 | $119K |
| Vision | AETNA LIFE INSURANCE COMPANY | 158 | $119K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 158 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $32K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 68 | $718K |
| Other(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 219 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.