| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 5.95% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.92% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 5.13% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $482 | $2K | 12.51% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $450 | $2K | 12.61% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $371 | $2K | 12.54% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $698 | $180 | $878 | 12.57% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $613 | $172 | $785 | 12.81% |
| DON R. WILSON3 Filed as: DON WILSON | 146 RAINBOW DRIVE LIVINGSTON, TX 77399 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $362 | — | $362 | 8.74% |
| D'ANN DABELL3 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $325 | — | $325 | 7.84% |
| ROCK WACH3 | 3248 W HANOVER PARK DRIVE SALT LAKE CITY, UT 84119 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | — | $57 | 1.38% |
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 | 139 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $636K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $127K |
| Vision | BLUE CROSS OF CALIFORNIA | 109 | $109K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $15K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $636K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.