| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 3.45% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.32% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | HEALTH NET | $43K | — | $43K | 6.00% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 4.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $710 | — | $710 | 2.73% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | VISION SERVICE PLAN | $576 | — | $576 | 2.21% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $3K | — | $3K | 15.00% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $2K | — | $2K | 15.00% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $629 | — | $629 | 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 | 268 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 204 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 140 | $111K |
| Vision | VISION SERVICE PLAN | 240 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 268 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 268 | $20K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 204 | $889K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 268 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.