| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $45K | — | $45K | 5.84% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $19K | — | $19K | 15.03% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 4.24% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 22.14% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.98% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 23.81% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | — | $868 | 6.74% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 14.94% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.96% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 21.94% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 23.77% |
| JACOB ZARAYA3 | 5276 DEL MORENO DR. WOODLAND HILLS, CA 91364 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $580 | — | $580 | 21.43% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 191 | $818K |
| Dental(2 contracts) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 195 | $131K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 191 | $771K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 77 | $50K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $3K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.