| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 1.91% |
| KAZAZIAN, ZAVEN3 | PO BOX 11551 GLENDALE, CA 91206 | SELECTHEALTH | $27K | — | $27K | 2.89% |
| DPW BENEFITS LLC3 | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | SELECTHEALTH | $20K | $4K | $24K | 2.53% |
| ZAVEN KAZAZIAN3 | 3113 KINGRIDGE WAY GLENDALE, CA 91206 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 4.87% |
| KAZAZIAN, ZAVEN3 | 35 NORTH LAKE AVENUE #720 PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $81K | — | $81K | 58.33% |
| GARNER CONSULTING3 | 790 EAST COLORADO BOULEVARD PASADENA, CA 91101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $260 | — | $260 | 0.19% |
| KAZAZIAN, ZAVEN3 Filed as: KAZAZIAN CONSULTING GROUP, LLC | PO BOX 11551 GLENDALE, CA 91206 | PAN AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| ZAVEN KAZAZIAN3 | — | DELTA DENTAL OF CALIFORNIA | $975 | — | $975 | 3.00% |
| ZAVEN KAZAZIAN3 | PO BOX 11551 GLENDALE, CA 91226 | VISION SERVICE PLAN | $1K | — | $1K | 4.78% |
| ZAVEN KAZAZIAN3 Filed as: ZAVEN KAZAZIAN KAZAZIAN CONSULTING | PO BOX 11551 GLENDALE, CA 91206 | GERBER LIFE INSURANCE COMPANY | $524 | — | $524 | 15.01% |
| ZAVEN KAZAZIAN3 | 3113 KING RIDGE WAY GLENDALE, CA 91206 | OPTICARE OF UTAH | $178 | — | $178 | 5.70% |
| DPW BENEFITS LLC3 | 5525 SOUTH 900 EAST SUITE 100 SALT LAKE CITY, UT 84117 | OPTICARE OF UTAH | $134 | — | $134 | 4.29% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 168 | $5.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 101 | $172K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 124 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $268K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $268K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.