| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWEDELSON INSURANCE AGENCY3 | 6196 DEERHILL ROAD OAK PARK, CA 91377 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 2.96% |
| QANDUN INC3 Filed as: QANDUN, INC. | 146 NORTH SAN FERNANDO BOULEVARD BURBANK, CA 91502 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.03% |
| QANDUN INC3 Filed as: QANDUN, INC. DBA CAMPFIRE HEALTH IN | 146 NORTH SAN FERNANDO BOULEVARD SUITE 20 BURBANK, CA 91502 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $212 | $1K | 3.60% |
| QANDUN INSURANCE AGENCY, INC.3 Filed as: QANDUN INSURANCE AGENCY, INC | 146 NORTH SAN FERNANDO BOULEVARD SUITE 208 BURBANK, CA 91502 | VISION SERVICE PLAN | $693 | — | $693 | 7.95% |
| QANDUN INSURANCE AGENCY, INC.3 Filed as: QANDUN INSURANCE AGENCY INC | 1010 NORTH CENTRAL AVENUE GLENDALE, CA 91202 | CALIFORNIA DENTAL NETWORK, INC. | $752 | — | $752 | 9.10% |
| SWEDELSON INSURANCE AGENCY3 Filed as: SWEDELSON, FRIEDA | 16530 VENTURA BOULEVARD #401 ENCINO, CA 91436 | CALIFORNIA DENTAL NETWORK, INC. | $74 | — | $74 | 0.90% |
| SWEDELSON INSURANCE AGENCY3 Filed as: SWEDELSON, FRIEDA | 6196 DEERHILL ROAD OAK PARK, CA 91377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $708 | — | $708 | 10.67% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 122 | $503K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 58 | $48K |
| Vision | VISION SERVICE PLAN | 61 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $7K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.