| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUMANOMICS3 | 15600 DEVONSHIRE ST 203 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD | $66K | — | $66K | 0.18% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES INC | 15600 DEVONSHIRE ST STE 203 GRANADA HILLS, CA 91344 | KAISER FOUNDATION HEALTH PLAN INC | $105K | — | $105K | 3.75% |
| HUMAOMICS3 | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | HUMANA INSURANCE/BAY BRIDGE | $78K | — | $78K | 8.74% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $65K | — | $65K | 7.25% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | HUMANA INSURANCE/BAY BRIDGE | $35K | — | $35K | 3.85% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | HUMANA INSURANCE/BAY BRIDGE | $7K | — | $7K | 0.75% |
| RENTON PEXA3 | 21529 PARVIN DR SANTA CLARITA, CA 913503010 | HUMANA INSURANCE/BAY BRIDGE | $3K | — | $3K | 0.37% |
| JUDY PIPKIN | 5900 ALLEN AVE SAN JOSE, CA 951232620 | HUMANA INSURANCE/BAY BRIDGE | $3K | — | $3K | 0.35% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | HUMANA INSURANCE/BAY BRIDGE | $816 | — | $816 | 0.09% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HIILS, CA 91356 | HUMANA INSURANCE/BAY BRIDGE | $619 | — | $619 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CONTRACT ADMINSTRATOR | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Other fees; Float revenue; Consulting (general); Claims processing Service code 12 | — | $3.7M |
| BENESYS EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 700 TOWER DR SUITE 300 TROY, MI 48084 | $1.3M |
| HUMANOMICS, EIN 38-3669952 INSURANCE CONSULTANT | Consulting (general); Insurance agents and brokers Service code 16 | 15600 DEVONSHIRE STE 203 GRANADA HILLS, CA 91344 | $1.1M |
| CENKO VENDITELLI HAYNES AND TOKARZ EIN 81-4584482 CPA ACCOUNTING | Consulting (general); Accounting (including auditing) Service code 10 | 5700 CROOKS SUITE 207 TROY, MI 48098 | $208K |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 INSURANCE CONSULTANT | Insurance services; Consulting (general) Service code 16 | 444 LIBERTY AVE., STE. 60 PITTSBURGH, PA 15222 | $201K |
| GREGORY, MOORE JEAKLE & BROOKS PC EIN 38-3093929 LEGAL | Legal Service code 29 | 28 W ADAMS AVE SUITE 300 DETROIT, MI 48226 | $87K |
| SPFPA EIN 38-1294556 PLAN SPONSOR REIMB CONF | Trustee (directed) Service code 25 | 25510 KELLY DR ROSEVILLE, MI 48066 | $69K |
| WESTERN INTERNATIONAL SECURITIES INVESTMENT SERVICES | Investment advisory (plan) Service code 27 | 4510 E THOUSAND OAKS BLVD WEST LAKE VILLAGE, CA 91362 | $25K |
| GAIL FEUSTEL TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $2K |
| LES KACIBAN TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $2K |
| RICK O'QUINN TRUSTEE | Trustee (individual) Service code 20 | 25510 KELLY RD ROSEVILLE, MI 48066 | $733 |
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 | 7,304 | 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) | 7,304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,165 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,165 | $3.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,165 | $2.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 4,100 | $37.3M |
| Other | BLUE CROSS BLUE SHIELD | 4,100 | $37.3M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.