| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | -$8K | $108K | $100K | 4.89% |
| VENBROOK INSURANCE SERVICES3 | 6230 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | -$8K | $0 | -$8K | -0.39% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $0 | $37K | 4.59% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL GROUP BENEFITS AND INS. | PO BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC | $36 | $0 | $36 | 0.00% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.35% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT SERVICES, INC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.71% |
| VENBROOK INSURANCE SERVICES3 | 6230 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | HMO COLORADO, INC. | $7K | $0 | $7K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | HMO COLORADO, INC. | $0 | $3K | $3K | 1.09% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE SERVICES | $24 | $0 | $24 | 0.69% |
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 | 470 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 352 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 839 | $604K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 839 | $604K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 839 | $604K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 839 | $604K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 352 | $3.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 839 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.