| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J. HERNANDEZ & COMPANY3 | 5700 MOON DRIVE VENTURA, CA 93003 | BLUE CROSS OF CALIFORNIA | $79K | — | $79K | 7.50% |
| J. HERNANDEZ & COMPANY3 | 5700 MOON DRIVE VENTURA, CA 93003 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | — | $28K | 5.50% |
| J. HERNANDEZ & COMPANY3 | 5700 MOON DRIVE VENTURA, CA 93003 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 10.01% |
| J. HERNANDEZ & COMPANY3 | 5700 MOON DRIVE VENTURA, CA 93003 | GUARDIAN | $5K | $221 | $5K | 15.63% |
| ENROLLEASE3 | 660 YORK STREET SAN FRANCISCO, CA 94110 | GUARDIAN | $447 | — | $447 | 1.28% |
| PACIFIC ADVISORS LLC3 | 333 N. INDIAN HILL BLVD. CLAREMONT, CA 91711 | GUARDIAN | $60 | — | $60 | 0.17% |
| J. HERNANDEZ & COMPANY3 | 5700 MOON DRIVE VENTURA, CA 93003 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $523 | — | $523 | 8.88% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 114 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 92 | $129K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 114 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 114 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 114 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.