| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVE SUITE 600 IRVINE, CA 92612 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $156K | $4K | $159K | 5.03% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | LLC 2677 N. MAIN STREET, STE. 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $64K | $64K | 2.03% |
| NAVALI & COMPANY INC3 | SUITE 600 19200 VON KARMAN AVENUE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 25.00% |
| NAVALI AND COMPANY INC3 | SUITE 600 19200 VON KARMON AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.58% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $799 | — | $799 | 4.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $672 | — | $672 | 4.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | — | $538 | 3.25% |
| NAVALI & COMPANY INC3 | 19200 VON KARMAN AVENUE SUITE 600 IRVINE, CA 92612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 486 | $3.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 486 | $3.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 486 | $3.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $236K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $84K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.