| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES FREDERICK LEE3 Filed as: JAMES FREDERICK LII | 25202 CRENSHAW BLVD., # 209 TORRANCE, CA 90505 | SHARP HEALTH PLAN | $33K | — | $33K | 5.00% |
| BLAINE HUBER INSURANCE SERVICES3 | P.O. BOX 7220 REDLANDS, CA 92375 | KAISER PERMANENTE | $15K | — | $15K | 2.39% |
| JAMES FREDERICK LEE3 | 25202 CRENSHAW BLVD. TORRANCE, CA 90505 | KAISER PERMANENTE | $15K | — | $15K | 2.39% |
| BLAINE HUBER INSURANCE SERVICES3 | P.O. BOX 501623 SAN DIEGO, CA 92150 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| JAMES FREDERICK LEE3 | 25202 CRENSHAW BLVD. TORRANCE, CA 90505 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| BLAINE HUBER INSURANCE SERVICES3 | P.O. BOX 7220 REDLANDS, CA 92375 | SAFEGUARD HEALTH PLAN, INC. | $2K | — | $2K | 5.14% |
| JAMES FREDERICK LEE3 | 25202 CRENSHAW BLVD. TORRANCE, CA 90505 | SAFEGUARD HEALTH PLAN, INC. | $2K | — | $2K | 5.14% |
| BLAINE HUBER INSURANCE SERVICES3 | P.O. BOX7220 REDLANDS, CA 92375 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| JAMES FREDERICK LEE3 | 25202 CRENSHAW BLVD. TORRANCE, CA 90505 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
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)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 129 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $90K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 267 | $675K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 129 | $1.3M |
| Other | SHARP HEALTH PLAN | 129 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.