| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC. INS. SVCS. INC. | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $145K | — | $145K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 1.00% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.64% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.62% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | VISION SERVICE PLAN | $2K | — | $2K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $496 | — | $496 | 0.62% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS INC | 2695 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.15% |
| CONSOLIDATED PROGRAM INS. SERVICES3 | 77 MARK DRIVE SAN RAFAEL, CA 94903 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.44% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $327 | — | $327 | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $324 | — | $324 | 3.73% |
| DITULLIO & ASSOCIATES3 Filed as: DITULLIO & ASSOC INS SVCS | 2659 TOWNSGATE ROAD, SUITE 106 WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92 | — | $92 | 10.03% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 394 | $6.6M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 394 | $6.6M |
| Vision | VISION SERVICE PLAN | 342 | $80K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 383 | $232K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $119K |
| Long-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 394 | $222K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 394 | $6.5M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $255K |
| 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."
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.