| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN HOLTZ3 | 11845 WEST OLYMPIC BOULEVARD SUITE 1040W LOS ANGLES, CA 90064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $191K | $0 | $191K | 12.18% |
| STEVEN HOLTZ3 | 11845 WEST OLYMPIC BOULEVARD SUITE 1040W LOS ANGELES, CA 90064 | CIGNA HEALTHCARE OF CALIFORNIA | $16K | $0 | $16K | 1.19% |
| STEVEN HOLTZ3 Filed as: STEVEN L. HOLTZ | 11845 WEST OLYMPIC BOULEVARD SUITE 1040W LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 7.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $9K | $0 | $9K | 3.38% |
| STEVEN HOLTZ3 Filed as: STEVEN L. HOLTZ | 11845 WEST OLYMPIC BOULEVARD SUITE 1040W LOS ANGELES, CA 90064 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.92% |
| STEVEN HOLTZ3 | 11845 WEST OLYMPIC BOULEVARD SUITE 1040W LOS ANGELES, CA 90064 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 2.56% |
| STEVEN HOLTZ3 | 11845 WEST OLYMPIC BOULEVARD LOS ANGELES, CA 90064 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $909 | $0 | $909 | 1.35% |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 310 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,650 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,181 | $265K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,277 | $291K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,277 | $255K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 310 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,277 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,650 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.