| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | AETNA HEALTH,INC. | $29K | — | $29K | 3.59% |
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE BEVERLY HILLS, CA 90210 | AETNA HEALTH,INC. | $13K | — | $13K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 721 SOUTH PARKER SUITE 300 ORANGE, CA 92868 | AETNA HEALTH,INC. | $8K | — | $8K | 1.06% |
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE SUITE 226 BEVERLY HILLS, CA 90210 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 13.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION STREET FLOOR 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 721 SOUTH PARKER SUITE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.95% |
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE BEVERLY HILLS, CA 90210 | AETNA LIFE INSURANCE CO. | $761 | — | $761 | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2701 NORTH ROCKY POINT SUITE 960 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $332 | $307 | $639 | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 3390 UNIVERSTY AVENUE SUITE 300 RIVERSIDE, CA 92502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $267 | $110 | $377 | 1.87% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP DBA CDS INSURANCE SER | 2001 EAST FINANICAL WAY SUITE 200 GLENDORA, CA 91741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $267 | — | $267 | 1.32% |
| WILLNER-CARDINET-KIDWELL3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.02% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $67 | $1K | 11.42% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $26 | $717 | 15.57% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | $4 | $107 | 15.64% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH,INC. | 196 | $1.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $255K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $235K |
| Life insurance(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 345 | $271K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $684 |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.