| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWEDELSON INSURANCE AGENCY3 | 6196 DEERHILL ROAD OAK PARK, CA 91377 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 4.95% |
| FRIEDA SWEDELSON3 | 16530 VENTURA BOULEVARD SUITE 401 LOS ANGELES, CA 91436 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.25% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| FRIEDA SWEDELSON3 | 6196 DEERHILL ROAD OAK PARK, CA 91377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| FRIEDA SWEDELSON3 | 16530 VENTURE BOULEVARD SUITE 401 ENCINO, CA 91436 | VISION SERVICE PLAN | $750 | — | $750 | 7.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINISTRATO | 721 SOUTH PARKER STREET SUITE 300 ORANGE, CA 92868 | VISION SERVICE PLAN | $501 | — | $501 | 5.04% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $20 | — | $20 | 0.20% |
| FRIEDA SWEDELSON3 | 16530 VENTURA BOULEVARD #401 ENCINO, CA 91436 | CALIFORNIA DENTAL NETWORK, INC. | $559 | — | $559 | 9.99% |
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 | 24 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 109 | $541K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 75 | $64K |
| Vision | VISION SERVICE PLAN | 58 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $11K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
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.