| 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 | $46K | — | $46K | 5.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88K | $5K | $92K | 19.73% |
| 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 | $7K | — | $7K | 1.52% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 5.03% |
| EMPLOYEE RETENTION BENEFITS, INC.3 | 250 E ROWLAND ST COVINA, CA 91723 | 5STAR LIFE INSURANCE COMPANY | $24K | — | $24K | 26.53% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INSURANCE SVC | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | 5STAR LIFE INSURANCE COMPANY | $9K | — | $9K | 9.84% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 135 | $991K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $468K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $468K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $559K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $468K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $468K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 135 | $991K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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.