| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | KAISER | $26K | — | $26K | 4.98% |
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | BLUE SHIELD OF CALIFORNIA | $16K | — | $16K | 4.99% |
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | BLUE SHIELD OF CALIFORNIA | $12K | — | $12K | 5.05% |
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | HUMANA INSURANCE COMPANY | $10K | $371 | $10K | 7.83% |
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | KAISER | $6K | — | $6K | 5.02% |
| DIANA LEWIS3 Filed as: DIANA J. PALMER | — | HUMANA DENTAL INSURANCE COMPANY | $213 | $29 | $242 | 5.01% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE SHIELD OF CALIFORNIA | 34 | $545K |
| Dental(4 contracts, 3 carriers) | KAISER | 159 | $774K |
| Vision(3 contracts, 2 carriers) | KAISER | 159 | $769K |
| Life insurance(3 contracts, 2 carriers) | KAISER | 159 | $769K |
| Other | HUMANA INSURANCE COMPANY | 159 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.