| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNLIMITED LIFE INSURANCE SOLUTIONS3 | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $58K | $58K | 6.47% |
| CORPORATE STRATEGIES, INC.3 Filed as: CORPORATE STRATEGIES | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 6.96% |
| UNLIMITED LIFE INSURANCE SOLUTIONS3 | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| UNLIMITED LIFE INSURANCE SOLUTIONS3 | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| UNLIMITED LIFE INSURANCE SOLUTIONS3 | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $899 | — | $899 | 15.01% |
| UNLIMITED LIFE INSURANCE SOLUTIONS3 | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $743 | — | $743 | 14.99% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 121 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $99K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $13K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 121 | $1.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.