| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANOMICS3 | 15600 DEVONSHIRE ST 203 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD | $101K | — | $101K | 3.38% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC | 15600 DEVONSHIRE ST STE 203 GRANADA HILLS, CA 91344 | KAISER FOUNDATION HEALTH PLAN INC | $76K | — | $76K | 3.04% |
| HUMAOMICS3 | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | HUMANA INSURANCE/BAY BRIDGE | $79K | — | $79K | 7.14% |
| 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 | $67K | — | $67K | 6.04% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $51K | — | $51K | 4.57% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $39K | — | $39K | 3.55% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | HUMANA INSURANCE/BAY BRIDGE | $14K | — | $14K | 1.30% |
| RENTON PEXA3 | 21529 PARVIN DR SANTA CLARITA, CA 913503010 | HUMANA INSURANCE/BAY BRIDGE | $5K | — | $5K | 0.44% |
| JUDY PIPKIN | 5900 ALLEN AVE SAN JOSE, CA 951232620 | HUMANA INSURANCE/BAY BRIDGE | $4K | — | $4K | 0.32% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | HUMANA INSURANCE/BAY BRIDGE | $3K | — | $3K | 0.23% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HIILS, CA 91356 | HUMANA INSURANCE/BAY BRIDGE | $1K | — | $1K | 0.09% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC. | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 913447245 | KANAWHA INSURANCE COMPANY | $113K | — | $113K | 11.50% |
| HASENBANK, CRAIG A3 | 18403 COLLINS ST SUITE C TARZANA, CA 913566504 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| LAKES, HENRY3 | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 913447242 | KANAWHA INSURANCE COMPANY | $286 | — | $286 | 0.03% |
| PIPKIN, JUDY A.3 | 5900 ALLEN AVE. SAN JOSE, CA 951232620 | KANAWHA INSURANCE COMPANY | $86 | — | $86 | 0.01% |
| SMITH GLENDA3 | PO BOX 91362 LOS ANGELES, CA 900091362 | KANAWHA INSURANCE COMPANY | $69 | — | $69 | 0.01% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 91344 | HUMANA INSURANCE COMPANY | $82K | — | $82K | 16.67% |
| HUMANOMICS3 | 15600 DEVONSHIRE ST203 GRNADA HILLS, CA 91344 | ACTION PHARMACEUTICAL CONSULTING | $31K | — | $31K | — |
| HUMANOMICS3 | 15600 DEVONSHIRE ST GRANADA HILLS, CA 913447242 | GROUP HEALTH COOPERATIVE | $10K | — | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CLAIMS PROCESSING | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Contract Administrator; Claims processing; Distribution (12b-1) fees Service code 12 | — | $2.0M |
| HUMANOMICS, EIN 38-3669952 INSURANCE CONSULTANT/ADM | Contract Administrator; Consulting (general); Insurance agents and brokers Service code 13 | 15600 DEVONSHIRE STE 203 GRANADA HILLS, CA 91344 | $1.4M |
| BENESYS EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 700 TOWER DR SUITE 300 TROY, MI 48084 | $502K |
| CENKO VENDITELLI HAYNES AND TOKARZ EIN 81-4584482 ACCOUNTANT/CONSULTANT | Accounting (including auditing) Service code 10 | 5700 CROOKS SUITE 207 TROY, MI 48098 | $433K |
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 THIRD PARTY ADMINISTRATOR | Insurance services; Insurance agents and brokers Service code 22 | 6300 BRIDGEPORT PKW B13 AUSTIN, TX 78730 | $249K |
| GREGORY, MOORE JEAKLE & BROOKS PC EIN 38-3093929 LEGAL | Legal Service code 29 | 65 CADILLAC SQ DETROIT, MI 48226 | $178K |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 CONSULTANT | Consulting (general) Service code 16 | 444 LIBERTY AVE., STE. 60 PITTSBURGH, PA 15222 | $157K |
| UNITED HEALTH ACTUARIAL SERVICES EIN 04-3738148 CONSULTING | Actuarial Service code 11 | 11611 NORTH MERIDIAN 330 CARMEL, IN 46032 | $63K |
| SPFPA EIN 38-1294556 PLAN ADMINSTRATOR | Trustee (directed) Service code 25 | 25510 KELLY DR ROSEVILLE, MI 48066 | $58K |
| WESTERN INTERNATIONAL SECURITIES INVESTMENT SERVICES | Investment advisory (plan) Service code 27 | 70 S LAKE AVENUE 700 PASEDENA, CA 91101 | $16K |
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 | 8,442 | 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) | 8,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 0 | $3.0M |
| Dental | HUMANA INSURANCE COMPANY | 3,037 | $491K |
| Vision | HUMANA INSURANCE COMPANY | 3,037 | $491K |
| Life insurance | HUMANA INSURANCE COMPANY | 3,037 | $491K |
| Short-term disability | HUMANA INSURANCE/BAY BRIDGE | 2,004 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 3,037 | $1.5M |
| Prescription drug | ACTION PHARMACEUTICAL CONSULTING | 0 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 0 | $3.0M |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.