| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC | 15600 DEVONSHIRE ST STE 203 GRANADA HILLS, CA 91344 | KAISER FOUNDATION HEALTH PLAN INC | $94K | — | $94K | 3.79% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC. | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 913447245 | KANAWHA INSURANCE COMPANY | $220K | — | $220K | 13.23% |
| HASENBANK, CRAIG A3 | 18403 COLLINS ST SUITE C TARZANA, CA 913566504 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| LAKES, HENRY3 | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 913447242 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| PIPKIN, JUDY A.3 | 5900 ALLEN AVE. SAN JOSE, CA 951232620 | KANAWHA INSURANCE COMPANY | $221 | — | $221 | 0.01% |
| ORTEGA RICHARD3 | 6890 WHEELER FONTANA, CA 923361534 | KANAWHA INSURANCE COMPANY | $171 | — | $171 | 0.01% |
| SMITH GLENDA3 | PO BOX 91362 LOS ANGELES, CA 900091362 | KANAWHA INSURANCE COMPANY | $88 | — | $88 | 0.01% |
| LAMONA, RICHARD A.3 | 23117 CALVERT ST. WOODLAND HILLS, CA 913673210 | KANAWHA INSURANCE COMPANY | $76 | — | $76 | 0.00% |
| HUMAOMICS3 | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | HUMANA INSURANCE/BAY BRIDGE | $80K | — | $80K | 7.19% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | 1101 S CAPITAL OF TX HWY E-200 AUTIN, TX 78746 | HUMANA INSURANCE/BAY BRIDGE | $66K | — | $66K | 6.00% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $56K | — | $56K | 5.04% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | HUMANA INSURANCE/BAY BRIDGE | $28K | — | $28K | 2.51% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $25K | — | $25K | 2.28% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | HUMANA INSURANCE/BAY BRIDGE | $9K | — | $9K | 0.82% |
| JUDY PIPKIN | 5900 ALLEN AVE SAN JOSE, CA 951232620 | HUMANA INSURANCE/BAY BRIDGE | $5K | — | $5K | 0.47% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HIILS, CA 91356 | HUMANA INSURANCE/BAY BRIDGE | $1K | — | $1K | 0.10% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 91344 | HUMANA INSURANCE COMPANY | $75K | — | $75K | 15.60% |
| HUMANOMICS3 | 15600 DEVONSHIRE ST GRANADA HILLS, CA 913447242 | GROUP HEALTH COOPERATIVE | $7K | — | $7K | 2.13% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3 500 AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 15.15% |
| HUMANOMICS3 Filed as: HUMANOMICS INS SVS INC | 15600 DEVONSHIRE ST 203 GRANADA HILLS, CA 91344 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.86% |
| HUMANOMICS3 | 15600 DEVONSHIRE SUITE 203 GRANADA HILLS, CA 91344 | HUMANA DENTAL | $1K | — | $1K | 0.95% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES, INC. | 15600 DEVONSHIRE, SUITE 203 GRANADA HILLS, CA 91344 | ALL STATE INSURANCE COMPANY | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANOMICS, EIN 38-3669952 INSURANCE CONSULTANT | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 15600 DEVONSHIRE STE 203 GRANADA HILLS, CA 91344 | $1.4M |
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 THIRD PARTY ADMINISTRATOR | Insurance services; Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | 6300 BRIDGEPORT PKW B13 AUSTIN, TX 78730 | $1.2M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CLAIMS PROCESSING | Insurance services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Consulting (general) Service code 12 | — | $1.1M |
| CENKO VENDITELLI HAYNES AND TOKARZ EIN 81-4584482 ACCOUNTANT/CONSULTANT | Consulting (general); Accounting (including auditing) Service code 10 | 5700 CROOKS SUITE 207 TROY, MI 48098 | $418K |
| GREGORY, MOORE JEAKLE & BROOKS PC EIN 38-3093929 LEGAL | Legal Service code 29 | 65 CADILLAC SQ DETROIT, MI 48226 | $103K |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 CONSULTANT | Consulting (general) Service code 16 | 444 LIBERTY AVE., STE. 60 PITTSBURGH, PA 15222 | $95K |
| SPFPA EIN 38-1294556 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 25510 KELLY DR ROSEVILLE, MI 48066 | $42K |
| BENESYS EIN 38-2383171 ACCOUNTING AND TAX | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 TOWER DR SUITE 300 TROY, MI 48084 | $22K |
| UNITED HEALTH ACTUARIAL SERVICES EIN 04-3738148 CONSULTING | Actuarial Service code 11 | 11611 NORTH MERIDIAN 330 CARMEL, IN 46032 | $13K |
| LES KACIBAN TRUSTEE TRAVEL EXPENSES | Trustee (directed) Service code 25 | 25510 KELLY RD ROSEVILLE, MI 48066 | $5K |
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 | 6,698 | 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) | 6,698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 2,537 | $338K |
| Life insurance | HUMANA INSURANCE COMPANY | 3,037 | $480K |
| Short-term disability(2 contracts, 2 carriers) | HUMANA INSURANCE/BAY BRIDGE | 2,004 | $1.1M |
| Long-term disability | KANAWHA INSURANCE COMPANY | 1,891 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,037 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.