| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN INSURANCE SERVICES LLC3 | 517 E WILSON AVE STE 104 GLENDALE, CA 91206 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $634K | — | $634K | 7.29% |
| RYAN, KYLE3 | 517 E WILSON AVE STE 104 GLENDALE, CA 91206 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $32K | — | $32K | 0.37% |
| RYAN INSURANCE SERVICES LLC3 | 327 W BROADWAY GLENDALE, CA 912041301 | KAISER FOUNDATION HEALTH PLAN INC | $170K | — | $170K | 4.80% |
| RYAN INSURANCE SERVICES LLC3 | 327 W BROADWAY GLENDALE, CA 912041301 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 4.77% |
| RYAN INSURANCE SERVICES LLC3 Filed as: RYAN INSURANCE SERVICES, LLC | 327 W. BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $7K | — | $7K | 4.92% |
| KYLE RYAN3 | 327 W BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | — | $4K | 4.34% |
| RYAN INSURANCE SERVICES LLC3 Filed as: RYAN INSURANCE SERVICES, LLC | 327 W BROADWAY GLENDALE, CA 91204 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.99% |
| RYAN INSURANCE SERVICES LLC3 | 327 BROADWAY GLENDALE, CA 912041301 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 14.90% |
| RYAN INSURANCE SERVICES LLC3 | 327 W BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | — | $3K | 4.37% |
| RYAN INSURANCE SERVICES LLC3 | 327 BROADWAY GLENDALE, CA 91204 | METLIFE LEGAL PLANS | $2K | — | $2K | 8.06% |
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 | 1,450 | 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) | 1,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,877 | $13.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,877 | $8.8M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,877 | $8.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,252 | $84K |
| Other | METLIFE LEGAL PLANS | 127 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,877 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.