| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWEDELSON INSURANCE AGENCY3 | 6196 DEERHILL ROAD OAK PARK, CA 91377 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.50% |
| FRIEDA SWEDELSON3 | 16530 VENTURA BOULEVARD SUITE 401 LOS ANGELES, CA 91436 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.60% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.18% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | PRINCIPAL LIFE INSURANCE COMPANY | — | $530 | $530 | 0.73% |
| FRIEDA SWEDELSON3 | 16530 VENTURA BOULEVARD SUITE 401 ENCINO, CA 91436 | VISION SERVICE PLAN | $844 | — | $844 | 7.36% |
| 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 | $528 | — | $528 | 4.60% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $11 | — | $11 | 0.10% |
| FRIEDA SWEDELSON3 | 6196 DEERHILL ROAD OAK PARK, CA 91377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
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 | 76 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 102 | $558K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $73K |
| Vision | VISION SERVICE PLAN | 64 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $11K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.