| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W TAPERT INS AGENCY | 14 N BALDWIN AVE SIERRA MADRE, CA 91024 | CALIFORNIA PHYSICIANS' SERVICE | — | $1K | $1K | 5.26% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES LLC | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $447 | — | $447 | 4.20% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | HUMANA INSURANCE COMPANY | $541 | — | $541 | 9.64% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W TAPERT INS AGENCY INC | 14 N BALDWIN AVE SIERRA MADRE, CA 91024 | HUMANA INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| BENEFITS AMERICA INSURANCE SER3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 15.02% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13 | $13 | 0.73% |
| BENEFITS AMERICA INSURANCE SER3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103 | — | $103 | 14.97% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5 | $5 | 0.73% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 51 | $33K |
| Dental | HUMANA INSURANCE COMPANY | 95 | $6K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $2K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 51 | $33K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.