| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 2.20% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $31K | $0 | $31K | 4.96% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 10.00% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | VISION SERVICE PLAN | $959 | $0 | $959 | 6.03% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.24% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | CALIFORNIA DENTAL NETWORK INC | $438 | $0 | $438 | 9.98% |
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 | 389 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 470 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $370K |
| Vision | VISION SERVICE PLAN | 269 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $42K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 389 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.