| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR S STE 450 ORANGE, CA 92868 | KAISER PERMANENTE | $81K | $0 | $81K | 4.98% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | — | DELTA DENTAL OF CA | $4K | $0 | $4K | 2.71% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INS BROKERS INC | 301 E COLORADO BLVD 200 PASADENA, CA 91101 | LINCOLN NTL LIFE INS CO | $2K | $0 | $2K | 10.00% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INS BROKERS INC | 301 E COLORADO BLVD 200 PASADENA, CA 91101 | LINCOLN NTL LIFE INS CO | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | — | DELTA DENTAL | $301 | — | $301 | 2.71% |
| FOUNDATION RISK PARTNERS CORP Filed as: FOUNDATION RISK PARTNERS | — | DELTA DENTAL | $278 | — | $278 | 2.50% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INS BROKERS INC | 301 E COLORADO BLVD 200 PASADENA, CA 91101 | LINCOLN NTL LIFE INS CO | $1K | — | $1K | 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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 284 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CA | 140 | $143K |
| Life insurance | LINCOLN NTL LIFE INS CO | 185 | $10K |
| Short-term disability | LINCOLN NTL LIFE INS CO | 185 | $10K |
| Long-term disability | LINCOLN NTL LIFE INS CO | 182 | $19K |
| Other | LINCOLN NTL LIFE INS CO | 185 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.