| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 4.01% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR STE G SAN CLEMENTE, CA 92672 | KAISER FOUNDATION HEALTH PLAN INC | $625 | — | $625 | 0.14% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 17.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INSURANCE S | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.11% |
| SCAL INNOVATIVE SERVICES LLC3 | 122 AVENIDA DEL MAR, SUITE G SAN CLEMENTE, CA 92672 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $346 | — | $346 | 0.89% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.15% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.00% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 13.27% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $971 | $971 | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $549 | $549 | 5.00% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $245 | $245 | 2.23% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $545 | $545 | 5.00% |
| PAYCHEX INSURANCE AGENCY, INC.5 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR. ROCHESTER, NY 14620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $320 | $320 | 2.94% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 67 | $443K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $39K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 427 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 425 | $75K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 67 | $443K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 427 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.