| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 N FIRST STREET SUITE 301 BURBANK, CA 915021845 | KAISER FOUNDATION HEALTH PLAN INC | $55K | $0 | $55K | 3.78% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING AND ASSOC INSURANCE BROKERS | 301 E COLORADO BLVD SUITE 200 PASADENA, CA 911012552 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 1.21% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 FIRST STREET SUITE 301 BURBANK, CA 915021845 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 4.19% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 301 E COLORADO BLVD SUITE 200 PASADENA, CA 91101 | DELTA DENTAL OF CALIFORNIA | $1K | $0 | $1K | 0.81% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 301 COLORADO BLVD SUITE 200 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $2K | $0 | $2K | 10.00% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 301 E COLORADO BLVD SUITE 200 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $2K | $0 | $2K | 10.00% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 301 E CORDOVA STREET SUITE 200 PASADENA, CA 91101 | LINCOLN NATIONAL LIFE INSURANCE | $941 | $0 | $941 | 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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 299 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 153 | $130K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 190 | $9K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 190 | $9K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 190 | $18K |
| Other | LINCOLN NATIONAL LIFE INSURANCE | 190 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.