| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROSSMAN INSURANCE SERVICES, INC.3 | PO BOX 76936 LOS ANGELES, CA 90076 | AETNA LIFE INSURANCE CO. | $46K | — | $46K | 4.90% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMIN. INC. | 721 S PARKER STE 300 ORANGE, CA 92868 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 1.22% |
| GROSSMAN INSURANCE SERVICES, INC.3 | PO BOX 76936 LOS ANGELES, CA 90076 | AETNA HEALTH, INC. | $38K | — | $38K | 3.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 S PARKER STE 300 ORANGE, CA 92868 | AETNA HEALTH, INC. | $9K | — | $9K | 1.00% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | — | $20K | 5.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMIN. INC. | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 1.09% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMIN. INC. | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.98% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 5.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMIN. INC. | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 1.10% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 6.27% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMIN. INC. | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $587 | — | $587 | 1.30% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 266 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 266 | $949K |
| Vision | AETNA LIFE INSURANCE CO. | 266 | $949K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.