| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $283K | — | $283K | 5.07% |
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | DELTA DENTAL OF CALIFORNIA | $50K | — | $50K | 10.00% |
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.10% |
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.00% |
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | VISION SERVICE PLAN | $2K | — | $2K | 2.95% |
| DODGE INSURANCE SERVICES3 | 3510 TORRANCE BLVD, SUITE 305 TORRANCE, CA 90503 | HARTFORD LIFE AND ACCIDENT | $337 | — | $337 | 14.99% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 379 | $5.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 431 | $502K |
| Vision | VISION SERVICE PLAN | 431 | $76K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $490K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $320K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $320K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 379 | $5.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.