| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN INC | $69K | $0 | $69K | 2.90% |
| HOUSKA INSURANCE SERVICES INC.3 | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $94K | $0 | $94K | 4.96% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 10.00% |
| HOUSKA INSURANCE SERVICES INC.3 | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | VISION SERVICE PLAN | $52K | $0 | $52K | 100.00% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE STE 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 STE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.58% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES INC | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $898 | $0 | $898 | 14.99% |
| HOUSKA INSURANCE SERVICES INC.3 | 1230 ROSECRANS AVE STE 260 MANHATTAN BEACH, CA 90266 | CALIFORNIA DENTAL NETWORK INC | $302 | $0 | $302 | 9.97% |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 482 | $4.3M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $431K |
| Vision | VISION SERVICE PLAN | 310 | $52K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 426 | $1.9M |
| Other(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 426 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.