| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANOMICS3 | 15600 DEVONSHIRE ST 203 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD | $83K | — | $83K | 2.40% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC | 15600 DEVONSHIRE ST STE 203 GRANADA HILLS, CA 91344 | KAISER FOUNDATION HEALTH PLAN INC | $161K | — | $161K | 4.85% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 91344 | HUMANA INSURANCE COMPANY | $349K | — | $349K | 13.64% |
| HUMAOMICS3 | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | HUMANA INSURANCE/BAY BRIDGE | $95K | — | $95K | 10.15% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $65K | — | $65K | 6.95% |
| RENTON PEXA3 | 21529 PARVIN DR SANTA CLARITA, CA 913503010 | HUMANA INSURANCE/BAY BRIDGE | $61K | — | $61K | 6.48% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $60K | — | $60K | 6.44% |
| 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 | $59K | — | $59K | 6.30% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | HUMANA INSURANCE/BAY BRIDGE | $7K | — | $7K | 0.71% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | HUMANA INSURANCE/BAY BRIDGE | $2K | — | $2K | 0.20% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HIILS, CA 91356 | HUMANA INSURANCE/BAY BRIDGE | $558 | — | $558 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing Service code 12 | — | $3.4M |
| HUMANOMICS, EIN 38-3669952 INSURANCE/BENEFIT CONSULT | Consulting (general) Service code 16 | 15600 DEVONSHIRE STE 203 GRANADA HILLS, CA 91344 | $1.8M |
| CENKO VENDITELLI HAYNES AND TOKARZ EIN 81-4584482 ACCOUNTING, TAX AND CONS | Accounting (including auditing) Service code 10 | 5700 CROOKS SUITE 207 TROY, MI 48098 | $337K |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 INSURANCE CONSULTANT | Consulting (general) Service code 16 | 444 LIBERTY AVE., STE. 60 PITTSBURGH, PA 15222 | $250K |
| GREGORY, MOORE JEAKLE & BROOKS PC EIN 38-3093929 LEGAL | Legal Service code 29 | 65 CADILLAC SQ DETROIT, MI 48226 | $127K |
| SPFPA EIN 38-1294556 PLAN ADM | Trustee (directed) Service code 25 | 25510 KELLY DR ROSEVILLE, MI 48066 | $70K |
| WESTERN INTERNATIONAL SECURITIES INVESTMENT SERVICES | Investment advisory (plan) Service code 27 | 70 S LAKE AVENUE STE 700 PASEDENA, CA 91101 | $16K |
| FINANCIAL WEST GROUP INVESTMENT SERVICES | Investment advisory (plan) Service code 27 | 4510 E THOUSAND OAKS BLVD WEST LAKE VILLAGE, CA 91362 | $11K |
| MOONEY GREEN SAINDON MURPHY WELCH LEGAL | Legal Service code 29 | 1920 L ST NW STE 400 WASHINGTON, DC 200365023 | $10K |
| VARNUM LEGAL | Legal Service code 29 | PO BOX 352 GRAND RAPIDS, MI 49501 | $10K |
| WALDVOGEL LAW FIRM LEGAL | Legal Service code 29 | PO BOX 160 ROYAL OAK, MI 48067 | $5K |
| LES KACIBAN TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $5K |
| DENNIS ECK TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $2K |
| LARRY SAYE TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $2K |
| GAIL FEUSTEL TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $2K |
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 | 7,449 | 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) | 7,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 3,037 | $2.6M |
| Vision | HUMANA INSURANCE COMPANY | 3,037 | $2.6M |
| Life insurance | HUMANA INSURANCE COMPANY | 3,037 | $2.6M |
| Short-term disability | HUMANA INSURANCE/BAY BRIDGE | 2,042 | $936K |
| Long-term disability | HUMANA INSURANCE COMPANY | 3,037 | $2.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 4,100 | $3.4M |
| Other | BLUE CROSS BLUE SHIELD | 4,100 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,100 | — |
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.