| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES FREDERICK LEE3 Filed as: JAMES F LEE | 25202 CRENSHAW BLVD 209 TORRANCE, CA 90505 | BLUE SHIELD OF CA | $549 | $16K | $16K | 2.65% |
| RICHARD B HUBER3 | 14410 VIA VENEZIA 1409 SAN DIEGO, CA 92129 | BLUE SHIELD OF CA | $549 | $16K | $16K | 2.65% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER | PO BOX 7220 REDLANDS, CA 92375 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.34% |
| JAMES FREDERICK LEE3 Filed as: JAMES LEE | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.45% |
| RICHARD BLAINE HUBER3 | PO BOX 7220 REDLANDS, CA 92375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 11.52% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 11.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PH STE IRVINE, CA 92612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FREDERICK | — | SIMNSA | $3K | — | $3K | 3.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | SIMNSA | $238 | — | $238 | 0.26% |
| RICHARD BLAINE HUBER3 | PO BOX 501623 SAN DIEGO, CA 92150 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.89% |
| JAMES FREDERICK LEE3 | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD PH FLR IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | $157 | — | $157 | 0.26% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES FREDERICK | — | SIMNSA | $2K | — | $2K | 3.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | SIMNSA | $145 | — | $145 | 0.30% |
| JAMES FREDERICK LEE3 Filed as: JAMES LEE | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 4.94% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER | PO BOX 7220 REDLANDS, CA 92375 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 4.94% |
| JAMES FREDERICK LEE3 Filed as: JAMES LEE | 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER | PO BOX 7220 REDLANDS, CA 92375 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| HUBER RICHARD BLAINE3 | PO BOX 7220 REDLANDS, CA 92375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $897 | — | $897 | 7.76% |
| JAMES FREDERICK LEE3 | DBA COASTAL INSURANCE SVCS 25202 CRENSHAW BLVD STE 209 TORRANCE, CA 90505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $444 | — | $444 | 3.84% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVCS | 3400 MINERAL KING AVE STE B VISALIA, CA 93291 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 1.15% |
| SKOUSEN DAVID BLAINE3 | 43471 RIDGE PARK DR STE B TEMECULA, CA 92590 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 1.05% |
| JUND BRIAN EDWARD3 | NATIONAL BENEFIT PARTNERS 23282 MILL CREEK DRIVE STE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.55% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE SHIELD OF CA | 117 | $1.4M |
| Dental(4 contracts, 3 carriers) | SIMNSA | 186 | $236K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $94K |
| Prescription drug | BLUE SHIELD OF CA | 102 | $614K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.