| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2900 WEST BROADWAY LOS ANGELES, CA 90041 | CALIFORNIA PHYSICIANS SERVICE | $22K | $0 | $22K | 3.68% |
| PAM J RAGUS3 Filed as: PAM JEAN RAGUS | 130 NORTH BRAND BOULEVARD SUITE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS SERVICE | $12K | $0 | $12K | 1.98% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANGE AGENCY | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | CALIFORNIA PHYSICIANS SERVICE | $10K | $0 | $10K | 1.62% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1540 CORNERSTONE BOULEVARD SUITE 230 DAYTONA BEACH, FL 32117 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 3.00% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANGE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.56% |
| ROBERT J. KNAUF3 | 2900 WEST BROADWAY LOS ANGELES, CA 90041 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 4.68% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 1.84% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANGE AGENCY | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 1.59% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSIDE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | HUMANA INSURANCE COMPANY | $445 | $0 | $445 | 0.35% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 92 | $852K |
| Dental | HUMANA INSURANCE COMPANY | 151 | $126K |
| Vision | HUMANA INSURANCE COMPANY | 151 | $126K |
| Life insurance | HUMANA INSURANCE COMPANY | 151 | $126K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 92 | $852K |
| Other | HUMANA INSURANCE COMPANY | 151 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.