| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $166K | $0 | $166K | 12.51% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $52K | $0 | $52K | 9.94% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON | 6065 COUNTRY OAK ROAD WOODLAND HILLS, CA 91367 | GUARDIAN | $34K | $0 | $34K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INSURANCE SVCS. LLC | 24005 VENTURA BLVD CALABASAS, CA 91302 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 5.23% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $941 | $0 | $941 | 10.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $89 | $0 | $89 | 9.97% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF VIRGINIA INC. | $51 | $0 | $51 | 10.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $31 | $0 | $31 | 10.13% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $31 | $0 | $31 | 10.13% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $31 | $0 | $31 | 10.13% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $31 | $0 | $31 | 10.13% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $23 | $0 | $23 | 10.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $5 | $0 | $5 | 9.80% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA DENTAL HEALTH OF PENNSYLVANIA INC. | $3 | $0 | $3 | 11.54% |
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)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 596 | $1.4M |
| Dental(11 contracts, 11 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $537K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $525K |
| Life insurance | GUARDIAN | 455 | $225K |
| Short-term disability | GUARDIAN | 455 | $225K |
| Long-term disability | GUARDIAN | 455 | $225K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 596 | $1.4M |
| Other | GUARDIAN | 455 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.