| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL D. HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $155K | $0 | $155K | 5.03% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $0 | $3K | $3K | 0.11% |
| MICHAEL D. HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLANS INC | $108K | $0 | $108K | 3.66% |
| MICHAEL D. HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.85% |
| BXA INSURANCE SERVICES3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.33% |
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 | 1,797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,515 | $7.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,473 | $3.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,473 | $3.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,515 | $157K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,515 | $157K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,515 | $7.0M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,515 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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."
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.