| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN INSURANCE SERVICES3 Filed as: MEGAN INSURANCE SERVICES, INC. | 30053 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | KAISER FOUNDATION HEALTH PLAN INC | $91K | $0 | $91K | 3.75% |
| MEGAN INSURANCE SERVICES3 Filed as: MEGAN INSURANCE SERVICES, INC | 30053 QUAIL RUN DR AGOURA HILLS, CA 91301 | AETNA LIFE INSURANCE COMPANY | $66K | — | $66K | 4.11% |
| MEGAN INSURANCE SERVICES3 Filed as: MEGAN INSURANCE SERVICES, INC | 30053 QUAIL RUN DR AGOURA HILLS, CA 24890 | AETNA HEALTH, INC | $25K | — | $25K | 4.18% |
| MEGAN INSURANCE SERVICES3 Filed as: MEGAN INSURANCE SERVICES, INC | 30053 QUAIL RUN DR AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | $9K | $76K | 13.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DR FLOOR 17 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $588 | — | $588 | 0.10% |
| MEGAN INSURANCE SERVICES3 Filed as: MEGAN INSURANCE SERVICES, INC | 30053 QUAIL RUN DR AGOURA HILLS, CA 91301 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $11K | — | $11K | 3.96% |
| SHEILA CAMERON FENSTER3 | 30053 QUAIL RUN DR AGOURA HILLS, CA 91301 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 3.00% |
| LILY FREGOSO3 Filed as: LILY ALVAREZ | 3324 W VERDUGO AVE BURBANK, CA 91505 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.72% |
| CHARLES BOGUE3 | 510 W 6TH STREET #815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.26% |
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 | 1,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 554 | $4.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $564K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $564K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $564K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $564K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $564K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 554 | $2.8M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.