| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $90K | — | $90K | 5.35% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | — | $50K | 4.89% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA INSURANCE COMPANY | $24K | — | $24K | 9.89% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 9.85% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | AMERITAS LIFE INSURANCE CORP. | $13K | — | $13K | 10.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | VISION SERVICE PLAN | $2K | — | $2K | 2.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 9.81% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $876 | — | $876 | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC. | $937 | — | $937 | 5.42% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | MUTUAL OF OMAHA INSURANCE COMPANY | $23 | — | $23 | 0.15% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 8.35% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S TPA, LLC DBA HEALTHEZ EIN 85-1296607 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7201 W 78TH STREET BLOOMINGTON, MN 55439 | $692K |
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 513 | $2.7M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 331 | $389K |
| Vision | VISION SERVICE PLAN | 482 | $87K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 868 | $220K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $186K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $63K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 513 | $2.7M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 868 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.