| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | ANTHEM BLUE CROSS | $29K | $0 | $29K | 2.84% |
| AMWINS Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN STREET SANTA ANA, CA 92705 | ANTHEM BLUE CROSS | $0 | $25K | $25K | 2.42% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E SUITE 370 LOS ANGELES, CA 90067 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $0 | $46K | 4.56% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 2.38% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.27% |
| ENROLLEASE Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.81% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.57% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.45% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.86% |
| BRYSTRA INSURANCE SERVICES3 | 1925 CENTURY PARK E 17TH FLOOR LOS ANGELES, CA 90067 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.95% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 170 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $177K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $177K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $36K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 186 | $2.0M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.