| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 941052874 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | $0 | $20K | 5.28% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | AETNA LIFE INSURANCE CO. | $9K | $0 | $9K | 2.77% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 1300 SAN FRANCISCO, CA 94105 | AETNA LIFE INSURANCE CO. | $759 | $0 | $759 | 0.24% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | AETNA HEALTH, INC. | $6K | $0 | $6K | 2.68% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 1300 SAN FRANCISCO, CA 94105 | AETNA HEALTH, INC. | $749 | $0 | $749 | 0.31% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $7K | $25 | $7K | 11.10% |
| MICHELLE DERAS3 | 5805 SEPULVEDA BLVD., SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $129 | $2K | 5.49% |
| BETTY MURDOCK3 | 2980 FLORINE AVE RIVERSIDE, CA 92509 | AFLAC | $1K | $0 | $1K | 3.14% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL AND CO. INC. | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | AFLAC | $1K | $0 | $1K | 2.51% |
| STANTON HUNTON3 | 2516 VIA TEJON, SUITE 307 PALOS VERDES, CA 90274 | AFLAC | $754 | $0 | $754 | 1.69% |
| RYAN KARRER3 | 11800 GOSHEN AVE, APT. 206 LOS ANGELES, CA 90049 | AFLAC | $667 | $2 | $669 | 1.50% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 51125 TOPANGA CANYON BLVD. WOODLAND HILLS, CO 91364 | AFLAC | $488 | $23 | $511 | 1.15% |
| MOISES VILLALOBOS3 | 6122 WOODLAWN AVE MAYWOOD, CA 90270 | AFLAC | $462 | $0 | $462 | 1.04% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI HAND | 6127 S RAINBOW BLVD., SUITE 100 B LAS VEGAS, NV 89118 | AFLAC | $288 | $12 | $300 | 0.67% |
| KATHLEEN S HANSON3 Filed as: KATHLEEN HANSON | 2581 HILLCREST STREET SIGNAL HILLS, CA 90755 | AFLAC | $292 | $0 | $292 | 0.66% |
| CLAY W CAMPBELL3 Filed as: CLAY CAMPBELL | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $212 | $0 | $212 | 0.48% |
| JUANITA BURKS & ASSOCIATES3 | 6100 CENTER DR., SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $139 | $0 | $139 | 0.31% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 351 CALIFORNIA STREET, SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $109 | $20 | $129 | 0.29% |
| HECTOR CARTAGENA3 | 4114 ELM AVE APT 1 LONG BEACH, CA 90807 | AFLAC | $115 | $0 | $115 | 0.26% |
| CHRISTOPHER HAGER3 | 8201 PARK HILL DR. LOS ANGELES, CA 90045 | AFLAC | $90 | $0 | $90 | 0.20% |
| KAREN M HUGHES3 Filed as: KAREN HUGHES | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $90 | $0 | $90 | 0.20% |
| ANDREA M MACIAS3 Filed as: ANDREA MACIAS | 2980 FLORINE AVE RIVERSIDE, CA 92509 | AFLAC | $56 | $0 | $56 | 0.13% |
| RAVONE MARVELLE GRAHAM3 Filed as: RAVONE GRAHAM | 4621 BRIARHILL DRIVE YORBA LINDA, CA 92886 | AFLAC | $49 | $0 | $49 | 0.11% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 12121 WILSHIRE BLVD. SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $29 | $20 | $49 | 0.11% |
| TODD V MASON3 Filed as: TODD MASON | 6164 LAWRENCE STREET CYPRESS, CA 90630 | AFLAC | $42 | $0 | $42 | 0.09% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 2211 MICHELSON DR SUITE 1150 IRVINE, CA 92612 | AFLAC | $30 | $5 | $35 | 0.08% |
| ACEVES INSURANCE SERVICES INC.3 | 9959 BROOKSHIRE AVE DOWNEY, CA 90240 | AFLAC | $22 | $0 | $22 | 0.05% |
| H THOMPSON3 | 65 PINE AVE 102 LONG BEACH, CA 90802 | AFLAC | $14 | $0 | $14 | 0.03% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $14 | $0 | $14 | 0.03% |
| PARTEE INSURANCE ASSOCIATES INC.3 | 584 S GRAND AVENUE COVINA, CA 91724 | AFLAC | $7 | $0 | $7 | 0.02% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | UDC DENTAL OF CALIFORNIA, INC. | $1K | $0 | $1K | 18.64% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | UNION SECURITY INSURANCE COMPANY | $140 | $0 | $140 | 14.96% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 78 | $946K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 138 | $65K |
| Vision | UNION SECURITY INSURANCE COMPANY | 138 | $59K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 138 | $59K |
| Short-term disability | AFLAC | 57 | $45K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 8 | $936 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 78 | $384K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 138 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.