| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENSION & BENEFIT INSURANCE SERVICE3 Filed as: PENSION AND BENEFIT INSURANCE SERV | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC | $108K | — | $108K | 6.01% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SERVICES INC. | DBA BXA INSURANCE SERVICES 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA HEALTH OF CALIFORNIA INC. | $106K | $16K | $123K | 6.85% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| PENSION & BENEFIT INSURANCE SERVICE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | HEALTH NET | $6K | — | $6K | 1.57% |
| PENBEN FINANCIAL SERVICES INC. DBA3 Filed as: PENBEN FINANCIAL SERVICES INC. | DBA BXA INSURANCE SERVICES 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 5.68% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.80% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| BXA INSURANCE SERVICES3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| BXA INSURANCE SERVICES3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | — | $780 | 16.25% |
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 | 1,428 | 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) | 1,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 441 | $4.2M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 684 | $397K |
| Vision | VISION SERVICE PLAN | 628 | $55K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,000 | $63K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 402 | $2.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,000 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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.