| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $60K | — | $60K | 5.77% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 6.74% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $2K | $27K | 10.88% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.72% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.72% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $875 | $875 | 6.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $728 | $728 | 10.58% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $688 | — | $688 | 10.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $619 | — | $619 | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVENUE NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $449 | $449 | 7.26% |
| DON R. WILSON3 Filed as: DON WILSON | 146 RAINBOW DRIVE LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $267 | — | $267 | — |
| D'ANN DABELL3 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $228 | — | $228 | — |
| ROCK WACH3 | 3796 S 4400 W WEST VALLEY, UT 84120 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $46 | — | $46 | — |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 181 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $244K |
| Vision | BLUE CROSS OF CALIFORNIA | 181 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 181 | $1.6M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.