| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANOMICS3 | 15600 DEVONSHIRE ST 203 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD | $94K | — | $94K | 2.59% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC | 15600 DEVONSHIRE ST STE 203 GRANADA HILLS, CA 91344 | KAISER FOUNDATION HEALTH PLAN INC | $129K | — | $129K | 4.83% |
| HUMAOMICS3 | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | HUMANA INSURANCE/BAY BRIDGE | $181K | — | $181K | 10.57% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $99K | — | $99K | 5.78% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $43K | — | $43K | 2.52% |
| RENTON PEXA3 | 21529 PARVIN DR SANTA CLARITA, CA 913503010 | HUMANA INSURANCE/BAY BRIDGE | $8K | — | $8K | 0.48% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | HUMANA INSURANCE/BAY BRIDGE | $4K | — | $4K | 0.23% |
| JUDY PIPKIN | 5900 ALLEN AVE SAN JOSE, CA 951232620 | HUMANA INSURANCE/BAY BRIDGE | $1K | — | $1K | 0.07% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HIILS, CA 91356 | HUMANA INSURANCE/BAY BRIDGE | $464 | — | $464 | 0.03% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | HUMANA INSURANCE/BAY BRIDGE | $333 | — | $333 | 0.02% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES | 15600 DEVONSHIRE ST. SUITE 203 GRANADA HILLS, CA 91344 | HUMANA INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CONTRACT ADMINISTRATOR | Accounting (including auditing); Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Claims processing Service code 10 | — | $3.6M |
| HUMANOMICS, EIN 38-3669952 INSURANCE BENEFIT CONSUL | Insurance agents and brokers; Consulting (general) Service code 16 | 15600 DEVONSHIRE STE 203 GRANADA HILLS, CA 91344 | $1.4M |
| BENESYS EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 700 TOWER DR SUITE 300 TROY, MI 48084 | $1.1M |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 INSURANCE CONSULTANT | Insurance services; Consulting (general) Service code 16 | 444 LIBERTY AVE., STE. 60 PITTSBURGH, PA 15222 | $347K |
| CENKO VENDITELLI HAYNES AND TOKARZ EIN 81-4584482 CPA FIRM | Consulting (general); Accounting (including auditing) Service code 10 | 5700 CROOKS SUITE 207 TROY, MI 48098 | $317K |
| GREGORY, MOORE JEAKLE & BROOKS PC EIN 38-3093929 LEGAL | Legal Service code 29 | 65 CADILLAC SQ DETROIT, MI 48226 | $128K |
| SPFPA EIN 38-1294556 PLAN ADMINS/REIMB CONF | Trustee (directed) Service code 25 | 25510 KELLY DR ROSEVILLE, MI 48066 | $54K |
| FINANCIAL WEST GROUP INVESTMENT SERVICES | Investment advisory (plan) Service code 27 | 4510 E THOUSAND OAKS BLVD WEST LAKE VILLAGE, CA 91362 | $19K |
| VARNUM LEGAL | Legal Service code 29 | PO BOX 352 GRAND RAPIDS, MI 49501 | $15K |
| MOONEY GREEN SAINDON MURPHY WELCH EIN 52-1958229 LEGAL | Legal Service code 29 | 1920 L ST NW STE 400 WASHINGTON, DC 200365023 | $10K |
| LES KACIBAN TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $6K |
| LARRY SAYE TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $3K |
| GAIL FEUSTEL TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $942 |
| RICK O'QUINN TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $107 |
| DON EAGLE TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $21 |
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 | 7,293 | 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) | 7,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 3,037 | $1.0M |
| Vision | HUMANA INSURANCE COMPANY | 3,037 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,165 | $2.8M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,165 | $3.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,165 | $2.8M |
| Prescription drug | OPTUM | 0 | $984K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 4,100 | $3.6M |
| Other | BLUE CROSS BLUE SHIELD | 4,100 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.