| 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 | $93K | — | $93K | 3.78% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 1.23% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II INC | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $89K | — | $89K | 4.26% |
| MICHAEL D. HAND3 Filed as: MICHAEL D HAND | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $24K | — | $24K | 1.12% |
| PENSION & BENEFIT INSURANCE SERVICE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | HEALTH NET | $30K | — | $30K | 4.42% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $48K | — | $48K | 10.00% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.48% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | VISION SERVICE PLAN | $7K | — | $7K | 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% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $514 | — | $514 | 9.29% |
| BXA INSURANCE SERVICES3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | $87 | $403 | 7.29% |
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 | 1,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 496 | $5.3M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 794 | $476K |
| Vision | VISION SERVICE PLAN | 738 | $67K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,240 | $72K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $11K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,240 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,240 | — |
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.
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.