| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | PO BOX 661840 ARCADIA, CA 91066 | AETNA HEALTH OF CALIFORNIA INC. | $98K | $0 | $98K | 5.04% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | KAISER FOUNDATION HEALTH PLAN INC | $53K | $0 | $53K | 4.57% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | PO BOX 661840 ARCADIA, CA 91066 | AETNA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.05% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNITED CONCORDIA INSURANCE COMPANY | $16K | $0 | $16K | 4.65% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.37% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.03% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.34% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | $0 | $2K | 6.97% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 2.95% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 369 | $3.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 544 | $378K |
| Vision | VISION SERVICE PLAN | 387 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $86K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $45K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 369 | $3.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
No prospect flags tripped on this filing.