| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C. FOY AND ASSOCIATES | 3900 WEST ALAMEDA AVENUE BURBANK, CA 91501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 10.00% |
| JULIE BRUINSMA3 | 11901 SANTA MONICA BOULEVARD SUITE 689 LOS ANGELES, CA 90025 | AFLAC | $8K | $705 | $9K | 9.54% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SVCS. OF THE WEST LLC | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | AFLAC | $5K | $0 | $5K | 5.13% |
| DAVID HERNANDEZ3 | 1160 EAST MARIPOSA AVENUE EL SEGUNDO, CA 90245 | AFLAC | $3K | $141 | $3K | 2.93% |
| MJ INSURANCE3 Filed as: TALHA RAHMAN AND VARIOUS AGENTS | 20336 ANZA AVENUE, APARTMENT 36 TORRANCE, CA 90503 | AFLAC | $2K | $30 | $2K | 1.95% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $1K | $129 | $1K | 1.34% |
| ARLICE C. MARSHALL3 Filed as: ARLICE MARSHALL | 14737 BELLFLOWER BOULEVARD APARTMENT 4 BELLFLOWER, CA 90706 | AFLAC | $914 | $0 | $914 | 0.95% |
| JESSICA PEREZ3 | 11835 WEST OLYMPIC BOULEVARD SUITE 795E LOS ANGELES, CA 90064 | AFLAC | $845 | $0 | $845 | 0.88% |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 631 | $422K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 631 | $422K |
| Life insurance | AFLAC | 202 | $96K |
| Short-term disability | AFLAC | 202 | $96K |
| Other | AFLAC | 202 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.