| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS. SERVICES, LLC | 24005 VENTURA BLVD CALABASAS, CA 91302 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | $0 | $67K | 4.95% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5500 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $50K | $1K | $51K | 5.10% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | CIGNA HEALTHCARE OF CALIFORNIA | $43K | $0 | $43K | 5.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | NEW YORK LIFE GROUP INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | VISION SERVICE PLAN | $4K | $0 | $4K | 10.78% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | NEW YORK LIFE GROUP INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MONTAGE INSURANCE SOLUTIONS3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.74% |
| MONTAGE INSURANCE SOLUTIONS3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| MONTAGE INSURANCE SOLUTIONS3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MONTAGE INSURANCE SOLUTIONS3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $942 | $0 | $942 | 15.00% |
| MONTAGE INSURANCE SOLUTIONS3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $386 | $0 | $386 | 16.19% |
| DANONE SIMPSON INSURANCE SERVICES3 | 24005 VENTURA BLVD CALABASAS, CA 91302 | NEW YORK LIFE GROUP INSURANCE COMPANY | $243 | $0 | $243 | 13.85% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 216 | $3.2M |
| Vision | VISION SERVICE PLAN | 280 | $40K |
| Life insurance(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY | 279 | $40K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY | 279 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $1.0M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.