| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FEIGELMAN INSURANCE SERVICES INC3 | 21250 HAWTHORNE BLVD SUITE 500 TORRANCE, CA 90503 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $96K | $0 | $96K | 4.15% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN STREET STE 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $48K | $48K | 2.08% |
| FEIGELMAN INSURANCE SERVICES INC3 | 21250 HAWTHORNE BLVD SUITE 500 TORRANCE, CA 90503 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 3.13% |
| FEIGELMAN INSURANCE SERVICES INC3 Filed as: FEIGELMAN INSURANCE SERVICES I | 21250 HAWTHORNE BLVD TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 14.98% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | AFLAC | $9K | $113 | $10K | 18.23% |
| FEIGELMAN INSURANCE SERVICES INC3 | 21250 HAWTHORNE BLVD SUITE 500 TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $825 | $0 | $825 | 9.96% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | 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 | 458 | $3.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 458 | $2.3M |
| Vision | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $62K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $70K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.