| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., 12TH FLOOR WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $56K | $3 | $56K | 2.87% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE, SUITE 103 WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 1.72% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE, SUITE 103 WESTLAKE VILLAGE, CA 91361 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 8.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8K | $760 | $9K | 15.84% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $906 | $9K | 16.73% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $848 | $10K | 21.90% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $154 | $2K | 21.76% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $137 | $137 | 1.94% |
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 | 322 | 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) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 370 | $1.9M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 222 | $77K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 322 | $109K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 76 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $52K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 370 | $1.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 322 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
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.