| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $91K | — | $91K | 4.88% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE, SUITE 103 WESTLAKE VILLAGE, CA 91361 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 8.02% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8K | $389 | $8K | 16.07% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.63% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.87% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.10% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.64% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $860 | $443 | $1K | 16.37% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE, SUITE 103 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $732 | — | $732 | 9.20% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $304 | $304 | 5.59% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 331 | $1.9M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 187 | $75K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 289 | $106K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 54 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $42K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 331 | $1.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 289 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.