| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANTON HUNTON3 | 2516 VIA TEJON, SUITE 310 PALOS VERDES ESTATES, CA 90274 | KAISER FOUNDATION HEALTH PLAN INC. | $53K | — | $53K | 4.59% |
| STANTON HUNTON3 | 2208 PASEO DEL MAR PALOS VERDES ESTATES, CA 90274 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 11.47% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.59% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8K | — | $8K | 15.40% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 140 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $239K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $239K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $239K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $239K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $239K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 140 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.