| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | BLUE CROSS OF CALIFORNIA | $85K | — | $85K | 4.61% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 2.19% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 5.05% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | UDC DENTAL OF CALIFORNIA, INC. | $840 | — | $840 | 5.06% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 254 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 141 | $156K |
| Vision | VISION SERVICE PLAN | 193 | $27K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 449 | $24K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 254 | $2.6M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 449 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.