| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON ROAD LAKE ELSINORE, CA 92532 | KAISER FOUNDATION HEALTH PLAN INC. | $103K | — | $103K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 0.73% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON ROAD, SUITE E LAKE ELSINORE, CA 92532 | VISION SERVICE PLAN | $738 | — | $738 | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $384 | — | $384 | 1.35% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON ROAD, SUITE E LAKE ELSINORE, CA 92532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $954 | — | $954 | 7.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $891 | — | $891 | 7.24% |
| REGIONAL EMPLOYEE BENEFITS COUNCIL3 | 350 RAILROAD CANYON ROAD, SUITE E LAKE ELSINORE, CA 92532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $305 | — | $305 | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | — | $300 | 7.43% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 529 | $2.4M |
| Vision | VISION SERVICE PLAN | 258 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $4K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 529 | $2.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.