| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN INC | $52K | $0 | $52K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $3K | $3K | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.47% |
| MYKISHA L. THOMAS3 | 607 EAST 67TH STREET, APARTMENT 4 INGLEWOOD, CA 90302 | AFLAC | $1K | $59 | $1K | 7.81% |
| DAVID HERNANDEZ3 | 1160 EAST MARIPOSA AVENUE EL SEGUNDO, CA 90245 | AFLAC | $335 | $7 | $342 | 2.17% |
| STEVEN R. JOHNSON3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $157 | $0 | $157 | 0.99% |
| TALHA ZAQUIR RAHMAN3 | 20336 ANZA AVENUE, APARTMENT 36 TORRANCE, CA 90503 | AFLAC | $74 | $14 | $88 | 0.56% |
| OSCAR RAFAEL PUENTE3 | 126 EAST 85TH STREET LOS ANGELES, CA 90003 | AFLAC | $54 | $0 | $54 | 0.34% |
| OSCAR RAFAEL PUENTE3 | 3848 WEST CARSON STREET TORRANCE, CA 90503 | AFLAC | $27 | $0 | $27 | 0.17% |
| EMERALD SHAREE AUSTIN3 | 4445 ATLANTIC AVENUE, APARTMENT 4 LONG BEACH, CA 90807 | AFLAC | $9 | $11 | $20 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 265 NORTH SAN GABRIEL BOULEVARD PASADENA, CA 91107 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $626 | $0 | $626 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $110 | $0 | $110 | 1.76% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $47 | $47 | 0.75% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 221 | $1.1M |
| Vision | VISION SERVICE PLAN | 129 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 129 | $6K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 221 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 129 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.