| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IAG INSURANCE SERVICES3 | 111 CORPORATE DRIVE LADERA RANCH, CA 92694 | BLUE CROSS OF CALIFORNIA | $76K | — | $76K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $28K | $28K | 1.98% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.74% |
| IAG INSURANCE SERVICES3 | 111 CORPORATE DRIVE LADERA RANCH, CA 92694 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.51% |
| VENGROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | ANTHEM LIFE INSURANCE COMPANY | $465 | — | $465 | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | $173 | — | $173 | 0.54% |
| IAG INSURANCE SERVICES3 | 111 CORPORATE DRIVE LADERA RANCH, CA 92694 | ANTHEM LIFE INSURANCE COMPANY | $559 | — | $559 | 8.49% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | ANTHEM LIFE INSURANCE COMPANY | $99 | — | $99 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | ANTHEM LIFE INSURANCE COMPANY | $37 | — | $37 | 0.56% |
No Schedule C service providers reported on this filing.
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $2.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 169 | $1.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 169 | $1.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 198 | $32K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $2.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 198 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.