| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKB FINANCIAL SERVICES, INC.3 Filed as: DKB FINANCIAL SERVICES INC | 13304 PHILADELPHIA STREET, SUITE 20 WHITTIER, CA 90601 | CALIFORNIA PHYSICIANS SERVICE | — | $41K | $41K | 5.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | — | $16K | $16K | 2.11% |
| DKB FINANCIAL SERVICES, INC.3 | 13304 PHILADELPHIA STREET SUITE 200 WHITTIER, CA 90601 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.93% |
| DKB FINANCIAL SERVICES, INC.3 | 13304 PHILADELPHIA STREET SUITE 200 WHITTIER, CA 90601 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 721 S PARKER STREET, SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.13% |
| DKB FINANCIAL SERVICES, INC.3 Filed as: DKB FINANCIAL SERVICES INC | 13304 PHILADELPHIA STREET SUITE 200 WHITTIER, CA 90601 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $504 | — | $504 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $101 | — | $101 | 2.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 110 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $107K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 95 | $5K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 110 | $1.3M |
| Other | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 95 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.