| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANDELBAUM INSURANCE SERVICES LLC3 Filed as: MANDELBAUM INSURANCE SERVICES, LLC | PO BOX 480350 LOS ANGELES, CA 90048 | KAISER FOUNDATION HEALTH PLANS INC | $113K | — | $113K | 1.08% |
| MANDELBAUM INSURANCE SERVICES LLC3 | PO BOX 480350 LOS ANGELES, CA 90048 | HEALTH NET | $74K | — | $74K | 3.00% |
| MANDELBAUM INSURANCE SERVICES LLC3 | 9400 WILSHIRE BLVD STE 675 E BEVERLY HILLS, CA 90212 | UNION SECURITY INSURANCE COMPANY | $83K | — | $83K | 10.00% |
| MANDELBAUM INSURANCE SERVICES LLC3 | 433 N CAMDEN DR STE 733 BEVERLY HILLS, CA 90210 | UNION SECURITY INSURANCE COMPANY | $17K | — | $17K | 9.98% |
| MANDELBAUM INSURANCE SERVICES LLC | 9100 WILSHIRE BLVD SUITE 675 EAST BEVERLY HILLS, CA 90212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 8.76% |
| MANDELBAUM INSURANCE SERVICES LLC3 | 9400 WILSHIRE BLVD STE 675E BEVERLY HILLS, CA 90212 | UDC DENTAL OF CALIFORNIA, INC. | $13K | — | $13K | 10.01% |
| MANDELBAUM INSURANCE SERVICES LLC3 | PO BOX 480350 LOS ANGELES, CA 90048 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 15.00% |
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 | 1,944 | 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) | 1,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 210 | $2.5M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 810 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 931 | $338K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 1,554 | $77K |
| Other | UNION SECURITY INSURANCE COMPANY | 1,554 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,928 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.