| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LBL INSURANCE SERVICES INC3 | 3631 S HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | BLUE CROSS OF CALIFORNIA | $55K | — | $55K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S HARBOR BLVD STE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.45% |
| L.B.L. INSURANCE SERVICES, INC.3 Filed as: L.B.L INSURANCE SERVICES, INC | 3631 S. HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $47 | — | $47 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 3631 S. HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $11K | $28K | 11.07% |
| LBL INSURANCE SERVICES INC3 | 3631 S. HARBOR BLVD SUITE 200 SANTA ANA, CA 92704 | AIG | $454 | — | $454 | 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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $249K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $249K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $249K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $249K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $249K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.