| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $58K | — | $58K | 5.88% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | HEALTH NET | $39K | — | $39K | 6.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 3.33% |
| 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 11200 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $2K | $322 | $3K | 16.98% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $2K | $264 | $2K | 17.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 11200 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $512 | $68 | $580 | 16.99% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 137 | $121K |
| Vision | VISION SERVICE PLAN | 232 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 219 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 219 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $981K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 219 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.