| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILLCREST INSURANCE SERVICES, INC.3 | 11601 WILSHIRE BLVD., SUITE 500 LOS ANGELES, CA 90025 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 4.41% |
| DAVID SHENASSA3 | 11601 WILSHIRE BLVD., SUITE 500 LOS ANGELES, CA 90025 | COVERED CALIFORNIA FOR SMALL BUSINESS | $17K | — | $17K | 5.00% |
| HILLCREST INSURANCE SERVICES, INC.3 | 11601 WILSHIRE BLVD., SUITE 500 LOS ANGELES, CA 90025 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $2K | $3K | 4.33% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | — | $9K | 32.18% |
| HILLCREST INSURANCE SERVICES, INC.3 | 11601 WILSHIRE BLVD., SUITE 500 LOS ANGELES, CA 90025 | VISION SERVICE PLAN | $1K | — | $1K | 5.73% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $238 | — | $238 | 1.28% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 131 | $951K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $76K |
| Vision | VISION SERVICE PLAN | 143 | $19K |
| Life insurance | AFLAC | 145 | $29K |
| Short-term disability | AFLAC | 145 | $29K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 131 | $613K |
| Other | AFLAC | 145 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.