| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 1.89% |
| DPW BENEFITS LLC3 | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | SELECTHEALTH | $28K | $9K | $37K | 4.00% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 4.97% |
| ZAVEN KAZAZIAN3 Filed as: ZAVEN K KAZAZIAN | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $53K | — | $53K | 37.87% |
| ZAVEN KAZAZIAN3 | 35 NORTH LAKE AVENUE #720 PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $28K | — | $28K | 19.97% |
| GARNER CONSULTING3 | PO BOX 6030 PASADENA, CA 91102 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $302 | — | $302 | 0.22% |
| GARNER CONSULTING3 | 790 EAST COLORADO BOULEVARD PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $142 | — | $142 | 0.10% |
| ZAVEN KAZAZIAN3 | PO BOX 11551 GLENDALE, CA 91206 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.20% |
| ZAVEN KAZAZIAN3 | P.O. BOX 11551 GLENDALE, CA 91226 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 3.00% |
| ZAVEN KAZAZIAN3 | PO BOX 11551 GLENDALE, CA 91226 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| ZAVEN KAZAZIAN3 Filed as: ZAVEN KAZAZIAN-KAZAZIAN CONSULTING | PO BOX 11551 GLENDALE, CA 91206 | GERBER LIFE INSURANCE COMPANY | $557 | — | $557 | 15.01% |
| DPW BENEFITS LLC3 | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | OPTICARE OF UTAH | $265 | — | $265 | 10.00% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 200 | $6.0M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 95 | $173K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 125 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $264K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $264K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.