| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $75K | — | $75K | 2.25% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | KAISER FOUNDATION HEALTH PLANS INC. | $16K | — | $16K | 1.89% |
| DAVIS PACIFIC BENEFITS3 | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | SELECTHEALTH | $23K | $8K | $31K | 4.49% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.17% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | PAN AMERICAN LIFE INSURANCE COMPANY | $100 | — | $100 | 0.18% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | DELTA DENTAL INSURANCE COMPANY | $900 | — | $900 | 2.75% |
| ZAVEN KAZAZIAN3 | P.O. BOX 11551 GLENDALE, CA 91226 | VISION SERVICE PLAN | $1K | — | $1K | 4.94% |
| DAVIS PACIFIC BENEFITS3 Filed as: DAVIS PACIFIC BENEFITS, LLC | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | OPTICARE OF UTAH | $238 | — | $238 | 10.02% |
| ZAVEN KAZAZIAN3 | PO BOX 11551 GLENDALE, CA 91206 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 14.99% |
| GARNER INSURANCE SERVICES3 | 630 NORTH RESEMEAD BOULEVARD PASADENA, CA 91107 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $324 | — | $324 | 14.96% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 165 | $4.9M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 161 | $3.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 116 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $239K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $239K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.