| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARROYO INSURANCE SERVICES, INC.3 | 440 EAST HUNTINGTON DRIVE SUITE 100 ARCADIA, CA 91066 | AETNA HEALTH OF CALIFORNIA INC. | $94K | $0 | $94K | 5.02% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | KAISER FOUNDATION HEALTH PLAN INC | $67K | $0 | $67K | 4.96% |
| ARROYO INSURANCE SERVICES, INC.3 | 440 EAST HUNTINGTON DRIVE SUITE 100 ARCADIA, CA 91066 | AETNA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 5.09% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | UNITED CONCORDIA INSURANCE COMPANY | $25K | $0 | $25K | 6.98% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.77% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.20% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | $0 | $2K | 7.23% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91413 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 1.98% |
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 340 | $3.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 565 | $386K |
| Vision | VISION SERVICE PLAN | 356 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $100K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $100K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 340 | $3.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 461 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.