| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABENYUNOU PATTANAIK3 Filed as: LABENYUNOU PATTANIK | 1901 AVE OF THE STARS SUITE 93590067 LOS ANGELES, CA 90067 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $518 | — | $518 | — |
| MITCH MOFIDI3 | DUNHILL MARKETING 2635 CAMINO DEL RIO SOUTH SUITE 210 SAN DIEGO, CA 92108 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $130 | — | $130 | — |
| DAVID FEINSTEIN3 Filed as: DAVID JONES | 9911 E MONTEREY AVE MESA, AZ 852093446 | PROTECTIVE LIFE INSURANCE COMPANY | $259 | — | $259 | — |
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 | 6 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(11 contracts, 11 carriers) | ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.