| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | HARTFORD LIFE AND ACCIDENT | $11K | $338 | $12K | 5.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 13.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 PO BOX 4328 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $410 | $5K | 13.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $383 | $4K | 9.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $219 | $6K | 16.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $225 | $4K | 11.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $286 | $4K | 13.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $284 | $3K | 9.13% |
| LAURIE LOFRANCO3 | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | LANDMARK HEALTHPLAN | $2K | — | $2K | 10.00% |
| COMPLETECARE5 | — | CATILIZE HEALTH, INC. | — | $6K | $6K | 38.85% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $235 | — | $235 | 12.10% |
| LAURIE LOFRANCO3 | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | LANDMARK HEALTHPLAN | $34 | — | $34 | 9.97% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 230 | $1.2M |
| Vision | AETNA LIFE INSURANCE CO. | 570 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 668 | $207K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $207K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $207K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 230 | $1.2M |
| Other(8 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 668 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.