| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER BENEFITS AND INSURANCE SVCES3 Filed as: BENDER BENEFITS AND INSUR SVCES INC | 46-E PENINSULA CENTER SUITE 333 ROLLING HILLS ESTATES, CA 90274 | KAISER FOUNDATION HEALTH PLAN INC | $90K | — | $90K | 5.36% |
| RICK LYNN BENDER3 | 46-E PENINSULA CETER SUITE 333 ROLLING HILLS ESTATES, CA 90274 | KAISER FOUNDATION HEALTH PLAN INC | -$26 | — | -$26 | -0.00% |
| BENDER BENEFITS AND INSURANCE SVCES3 | 46-E PENINSULA CENTER SUITE 333 ROLLNG HILLS ESTATES, CA 90274 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.33% |
| BENDER BENEFITS AND INSURANCE SVCES3 Filed as: BENDER BENEFITS INC | 46-E PENINSULA CENTER ROLLING HILLS ESTATES, CA 90274 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $934 | — | $934 | 14.99% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 380 | $2.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $387K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 556 | $387K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.