| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HING AND ASSOCIATES INSURANCE3 Filed as: HING AND ASSOC INSURANCE BROKERS | 525 CORDOVA ST SUITE 100 PASADENA, CA 911012552 | KAISER FOUNDATION HEALTH PLAN INC | $60K | — | $60K | 5.44% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 7.36% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $2K | — | $2K | 10.00% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $2K | — | $2K | 10.00% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | DELTA DENTAL OF CALIFORNIA | $970 | — | $970 | 9.29% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $814 | — | $814 | 10.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 273 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 202 | $118K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 176 | $8K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 176 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 175 | $15K |
| Other | LINCOLN NATIONAL LIFE INSURANCE | 176 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.