| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | $10 | $38K | 4.71% |
| MILESTONE INSURANCE BROKERS INC.3 Filed as: MILESTONE INSURANCE BROKERS, INC. | 8 CORPORATE PARK SUITE 130 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $5 | $0 | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 6.86% |
| STEPHANIE J SCHLAF3 Filed as: STEPHANIE SCHLAF | 155 NORTH RIVERVIEW DRIVE SUITE 100 ANAHEIM, CA 92808 | AFLAC | $785 | $174 | $959 | 5.03% |
| ROBERT D AHEARN3 Filed as: ROBERT AHEARN | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $752 | $0 | $752 | 3.94% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $538 | $35 | $573 | 3.00% |
| MJ INSURANCE3 Filed as: DAVID REESOR AND VARIOUS AGENTS | 2220 EAST ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $491 | $35 | $526 | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2393 TOWNSGATE ROAD SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $501 | $0 | $501 | 2.63% |
| MILESTONE INSURANCE BROKERS INC.3 | 8 CORPORATE PARK SUITE 130 IRVINE, CA 92606 | AFLAC | $292 | $0 | $292 | 1.53% |
| MARIAN E LENCIONI3 Filed as: MARIAN LENCIONI | 1109 WEST 9TH STREET UPLAND, CA 91786 | AFLAC | $266 | $0 | $266 | 1.39% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $811K |
| Dental | BLUE CROSS OF CALIFORNIA | 177 | $72K |
| Vision | BLUE CROSS OF CALIFORNIA | 177 | $72K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 177 | $91K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $811K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 177 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.