| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICE, INC. | 440 EAST HUNTINGTON DRIVE SUITE 100 ARCADIA, CA 91066 | AETNA HEALTH, INC. | $95K | — | $95K | 5.12% |
| ARROYO INSURANCE SERVICES, INC.3 | PO BOX 55248 SHERMAN OAKS, CA 91413 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 5.01% |
| ARROYO INSURANCE SERVICES, INC.3 | 440 EAST HUNTINGTON DRIVE SUITE 100 ARCADIA, CA 91066 | AETNA LIFE INSURANCE COMPANY | $33K | — | $33K | 5.13% |
| ARROYO INSURANCE SERVICES, INC.3 | PO BOX 55248 SHERMAN OAKS, CA 91413 | UNITED CONCORDIA INSURANCE COMPANY | $23K | — | $23K | 6.97% |
| ARROYO INSURANCE SERVICES, INC.3 | PO BOX 55248 SHERMAN OAKS, CA 91413 | VISION SERVICE PLAN | $2K | — | $2K | 3.46% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.49% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.01% |
| ARROYO INSURANCE SERVICES, INC.3 | PO BOX 55248 SHERMAN OAKS, CA 91413 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 7.06% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 3.19% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91314 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $470 | — | $470 | 18.56% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 397 | $3.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 543 | $361K |
| Vision | VISION SERVICE PLAN | 363 | $57K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $36K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 397 | $3.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 445 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.