| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCS INS SVCS INC. | 2659 TOWNSGATE RD. SUITE 106 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $227K | $0 | $227K | 3.32% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS | 2659 TOWNSGATE RD SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS. | 2659 TOWNSGATE RD SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS | 2659 TOWNSGATE RD SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS SRVCS INC | 2464 SANTA BELLA PL WESTLAKE VILLAGE, CA 913625152 | VISION SERVICE PLAN | $3K | — | $3K | 2.93% |
| DITULLIO & ASSOCIATES3 | INS. SRVC, INC. 2659 TOWNSGATE RD, STE 106 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 8.95% |
| CONSOLIDATED PROGRAM INS. SERVICES3 | 77 MARK DRIVE SUITE 26 SAN RAFAEL, CA 94903 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 19.50% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS | 2659 TOWNSGATE RD SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | — | $446 | 10.01% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOCIATES INS SVCS INC | 2659 TOWNSGATE RD SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $285 | — | $285 | 9.30% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 450 | $6.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 450 | $6.9M |
| Vision | VISION SERVICE PLAN | 398 | $85K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $128K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $95K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $122K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.