| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | AETNA HEALTH OF CALIFORNIA INC. | $44K | $0 | $44K | 5.69% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $0 | $17K | 14.94% |
| D ERRICO, NICHOLAS, RYAN3 Filed as: D ERRICO, NICHOLAS R | 3322 RUTH ELAINE DR LOS ALOMITOS, CA 90720 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.06% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.71% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 20.57% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 4.99% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.11% |
| D ERRICO, NICHOLAS, RYAN3 Filed as: D ERRICO, NICHOLAS R | 3322 RUTH ELAINE DR LOS ALOMITOS, CA 90720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $765 | $0 | $765 | 3.77% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.26% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $670 | — | $670 | 8.27% |
| D ERRICO, NICHOLAS, RYAN3 Filed as: D ERRICO, NICHOLAS R | 3322 RUTH ELAINE DR LOS ALOMITOS, CA 90720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197 | $0 | $197 | 2.43% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 18.68% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $710 | $0 | $710 | 18.31% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 200 | $885K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 153 | $112K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 153 | $112K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $59K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $15K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $9K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.