| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | UNITED HEALTHCARE INSURANCE COMPANY | $66K | — | $66K | 5.00% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.00% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 5.03% |
| AMWINS3 Filed as: LISI INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $29 | $7K | 5.05% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.74% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 16.00% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 16.00% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | SAFEGUARD HEALTH PLANS, INC. | $2K | — | $2K | 10.09% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | SAFEGUARD HEALTH PLANS, INC. | $1K | — | $1K | 5.04% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HMBD INSURANCE SERVICES3 | 3633 E. BROADWAY, SUITE 200 LONG BEACH, CA 90803 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 16.00% |
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 | 227 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 143 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $139K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $60K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 76 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $18K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 143 | $1.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.