| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BR BENEFITS & INSURANCE SVCS.3 | 23679 CALABASAS ROAD, SUITE 378 CALABASAS, CA 91302 | UNITED HEALTHCARE INSURANCE COMPANY | $110K | — | $110K | 2.20% |
| BIJAN NOORI CORPORATION3 | 20671 PORTER RANCH RD TRABUCO CANYON, CA 92679 | UNITED HEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 1.45% |
| BR BENEFITS & INSURANCE SVCS, INC.3 | 23675 PARK SEVILLA CALABASAS, CA 91302 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 9.35% |
| BIJAN NOORI CORPORATION3 | 20671 PORTER RANCH RD TRABUCO CANYON, CA 92679 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 9.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 2.81% |
| BIJAN NOORI CORPORATION3 | 17875 VON KARMAN AVE, STE 150 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $925 | — | $925 | 1.32% |
| BIJAN NOORI CORPORATION3 | 17875 VON KARMAN AVE, STE 150 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | — | $1K | 1.72% |
| BIJAN NOORI CORPORATION3 | 17875 VON KARMAN AVE, STE 150 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $180 | — | $180 | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $60 | — | $60 | 0.72% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $214 | $3K | 47.27% |
| VARIOUS - SEE ATTACHMENT3 | C/O THE PAUL REVERE LIFE INS CO PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $653 | $477 | $1K | 48.23% |
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 | 3,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,497 | $5.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2,497 | $5.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,497 | $5.0M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 3,198 | $577K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 3,198 | $577K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 3,198 | $577K |
| Prescription drug(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,497 | $5.2M |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,198 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.