| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $49K | $2K | $51K | 5.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 14.34% |
| ROBERT D AHEARN3 | 13646 MORNINGS DRIVE YUCAIPA, CA 92399 | AFLAC | $4K | $510 | $4K | 11.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $2K | $0 | $2K | 5.53% |
| MARINA E LENCIONI3 | 3400 INLAND EMPIRE BOULEVARD SUITE 101 ONTARIO, CA 91764 | AFLAC | $1K | $0 | $1K | 3.19% |
| MJ INSURANCE3 Filed as: DAVID J REESOR AND VARIOUS AGENTS | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $475 | $56 | $531 | 1.51% |
| STEPHANIE J SCHLAF3 | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $435 | $0 | $435 | 1.24% |
| PATRICK J SCHLAF3 | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $340 | $0 | $340 | 0.97% |
| DAVID J REESOR3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $206 | $47 | $253 | 0.72% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 225 | $992K |
| Dental | STANDARD INSURANCE COMPANY | 126 | $41K |
| Vision | STANDARD INSURANCE COMPANY | 126 | $41K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 126 | $77K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 225 | $992K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 126 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.