| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 11150 SANTA MONICA BOULEVARD SUITE 1260 LOS ANGELES, CA 90025 | BLUE CROSS OF CALIFORNIA | $131K | $24K | $155K | 4.30% |
| MICHAEL D. HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | BLUE CROSS OF CALIFORNIA | $47K | $0 | $47K | 1.29% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $15K | $0 | $15K | 0.41% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC | $121K | $0 | $121K | 3.64% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 0.32% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $82K | $0 | $82K | 2.68% |
| MICHAEL HAND3 | 11150 SANTA MONICA BOULEVARD SUITE 1260 LOS ANGELES, CA 90025 | BLUE CROSS OF CALIFORNIA | $128 | $0 | $128 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $55K | $0 | $55K | 2.30% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC | $203 | $0 | $203 | 0.01% |
| BENEFITS EXCHANGE ALLIANCE3 Filed as: BENEFITS EXCHANGE ALLIANCE, INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | HEALTH NET | $46K | $0 | $46K | 4.64% |
| LOCKTON COMPANIES, LLC3 | 14501 ARTESIA BOULEVARD LAMIRADA, CA 90638 | UNITEDHEATHCARE INSURANCE COMPANY | $0 | $20K | $20K | 3.09% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.40% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.40% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.09% |
| MICHAEL D. HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.75% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $297 | $0 | $297 | 0.20% |
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 | 2,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 1,852 | $14.4M |
| Dental(2 contracts) | BLUE CROSS OF CALIFORNIA | 1,852 | $6.7M |
| Vision(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,852 | $7.7M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,750 | $337K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,750 | $337K |
| Prescription drug(8 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 1,852 | $14.4M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,750 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,852 | — |
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.