| 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 | $64K | — | $64K | 6.87% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 22.00% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.09% |
| D ERRICO, NICHOLAS, RYAN3 | 3322 RUTH ELAINE DR LOS ALAMITOS, CA 90720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $139 | $2K | 8.16% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 6.63% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.00% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $851 | — | $851 | 6.91% |
| D ERRICO, NICHOLAS, RYAN3 | 3322 RUTH ELAINE DR LOS ALAMITOS, CA 90720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $325 | $16 | $341 | 2.77% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| JACOB ZARAYA3 | PO BOX 6712 WOODLAND HILLS, CA 91365 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.59% |
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 | 248 | 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) | 248 | 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 | 248 | $952K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 248 | $935K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 248 | $935K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $62K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $6K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.