| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $35K | $0 | $35K | 4.60% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $25K | $8K | $33K | 5.88% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | AETNA HEALTH OF CALIFORNIA INC. | $7K | $0 | $7K | 2.89% |
| MJ INSURANCE3 Filed as: RUBEN ROSA AND VARIOUS AGENTS | 5307 SEPULVEDA BOULEVARD APARTMENT 118 SHERMAN OAKS, CA 91411 | AFLAC | $3K | $58 | $3K | 4.54% |
| MICHELLE ANN DERAS3 | 724 NORTH LA PALOMA AVENUE ONTARIO, CA 91764 | AFLAC | $2K | $144 | $2K | 3.82% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | AFLAC | $1K | $0 | $1K | 2.00% |
| BETTY MURDOCK3 | 7216 TESSERA PARKWAY LAGO VISTA, TX 78645 | AFLAC | $1K | $0 | $1K | 1.65% |
| STANTON HUNTON3 Filed as: STANTON C. HUNTON | 2516 VIA TEJON, SUITE 307 PALOS VERDES ESTATES, CA 90274 | AFLAC | $639 | $0 | $639 | 0.98% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | 6060 CENTER DRIVE, SUITE 800 LOS ANGELES, CA 90045 | AFLAC | $494 | $40 | $534 | 0.82% |
| MOISES VILLALOBOS3 | 6122 WOODLAWN AVENUE MAYWOOD, CA 90270 | AFLAC | $504 | $0 | $504 | 0.77% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.73% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 198 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 198 | $567K |
| Vision | AETNA LIFE INSURANCE COMPANY | 198 | $567K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $38K |
| Short-term disability | AFLAC | 50 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $38K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 198 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 189 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.