| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN INSURANCE SERVICES LLC3 | 517 EAST WILSON AVENUE, SUITE 104 GLENDALE, CA 91206 | BLUE CROSS OF CALIFORNIA | $330K | $0 | $330K | 7.41% |
| MICHAEL K. ROSENTHAL3 Filed as: MICHAEL ROSENTHAL | 56 CORK TREE RANCHO MIRAGE, CA 92270 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.17% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.92% |
| KYLE RYAN3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN, INC. | $584 | $0 | $584 | 3.22% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $928 | $0 | $928 | 8.77% |
| MICHAEL K. ROSENTHAL3 Filed as: MICHAEL ROSENTHAL | 56 CORK TREE RANCHO MIRAGE, CA 92270 | TRANSAMERICA LIFE INSURANCE COMPANY | $894 | $0 | $894 | 8.45% |
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 | 1,441 | 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) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,099 | $4.7M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,099 | $4.6M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,099 | $4.6M |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,441 | $205K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 44 | $182K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 44 | $182K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,441 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.