| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUSKA INSURANCE SERVICES INC. | 111 N SEPULVEDA BLVD STE 250 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN INC | $59K | $0 | $59K | 6.18% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 260 MANHATTAN BEAC, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.15% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 250 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE | $3K | $0 | $3K | 10.00% |
| HOUSKA INSURANCE SERVICES INC. Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 250 MANHATTAN BEACH, CA 90266 | VISION SERVICE PLAN | $948 | $0 | $948 | 5.56% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 250 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $808 | $180 | $988 | 12.22% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 260 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $728 | $311 | $1K | 14.27% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES | 111 N SEPULVEDA BLVD STE 250 MANHATTAN BEACH, CA 90266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $583 | $195 | $778 | 13.33% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 178 | $959K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $66K |
| Vision | VISION SERVICE PLAN | 126 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 156 | $29K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.