| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INSURANCE BROKERS, INC. | EIGHT CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $32K | — | $32K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 1.16% |
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INSURANCE BROKERS, INC | EIGHT CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 6.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | BLUE CROSS OF CALIFORNIA | $340 | — | $340 | 0.63% |
| STEPHAINE SCHLAF3 | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $2K | $395 | $3K | 15.45% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 NORTH RIVERVIEW DRIVE SUITE 100 ANAHEIM, CA 92808 | AFLAC | $945 | $92 | $1K | 5.66% |
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INSURANCE BROKERS, INC. | EIGHT CORPORATE PARK, SUITE 130 IRVINE, CA 92606 | AFLAC | $797 | — | $797 | 4.35% |
| JASON N DOIG3 Filed as: JASON DOIG | 1932 EAST DEERE AVENUE, SUITE 240 SANTA ANA, CA 92705 | AFLAC | $260 | $92 | $352 | 1.92% |
| JANICE ADAMSON3 | 495 EAST RINCON STREET, SUITE 212 CORONA, CA 92879 | AFLAC | $301 | — | $301 | 1.64% |
| MARK LUETJEN3 | 6607 BLACK HAWK ROAD EASTVALE, CA 92880 | AFLAC | $92 | $54 | $146 | 0.80% |
| BRAXTON SCHLAF AND OTHER AGENTS3 | 1081 SOUTH REXFORD LANE ANAHEIM, CA 92808 | AFLAC | $11 | $13 | $24 | 0.13% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 188 | $768K |
| Dental | BLUE CROSS OF CALIFORNIA | 186 | $54K |
| Vision | BLUE CROSS OF CALIFORNIA | 186 | $54K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 186 | $73K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 188 | $768K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 186 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.