| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 5.50% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR, SUITE G SAN CLEMENTE, CA 92672 | KAISER FOUNDATION HEALTH PLAN INC | -$2K | — | -$2K | -0.77% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.22% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR, SUITE G SAN CLEMENTE, CA 92672 | KAISER FOUNDATION HEALTH PLAN INC | -$3K | — | -$3K | -1.16% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SVCS. | 999 CORPORATE DR., SUITE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SVCS. | 999 CORPORATE DR., SUITE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SVCS. | 999 CORPORATE DR., SUITE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $254 | $2K | 11.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $827 | $827 | 5.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD., #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $58 | $58 | 0.35% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SVCS. | 999 CORPORATE DR., SUITE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $414 | $2K | 13.07% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $674 | $674 | 5.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD., #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $90 | $90 | 0.67% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SVCS. | 999 CORPORATE DR., SUITE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $784 | — | $784 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $392 | $392 | 5.00% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 74 | $523K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $26K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 74 | $523K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.