| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | $0 | $70K | 4.52% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNITED CONCORDIA INSURANCE COMPANY | $15K | $0 | $15K | 7.66% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.01% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.45% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.72% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | $0 | $1K | 6.18% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 1.16% |
| ARROYO INSURANCE SERVICES, INC.3 | 13749 RIVERSIDE DRIVE, SUITE 204 SHERMAN OAKS, CA 91423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $667 | $0 | $667 | 20.01% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 292 | $216K |
| Vision | VISION SERVICE PLAN | 221 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $86K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.6M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.