| 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 | $656K | $0 | $656K | 6.74% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN, INC. | $155K | $0 | $155K | 4.13% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $9K | $0 | $9K | 5.01% |
| KYLE RYAN3 | 6201 KENTLAND AVENUE WOODLAND HILLS, CA 91367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 30.03% |
| ELLEN G VALDEZ3 Filed as: ELLEN VALDEZ | 4339 RADFORD AVENUE STUDIO CITY, CA 91604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 27.51% |
| RHOEL T VALDEZ3 Filed as: RHOEL VALDEZ | 20016 BLYTHE STREEET WINETKA, CA 91306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.40% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, FL 91204 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.45% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.17% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | AETNA LIFE INSURANCE CO. | $5K | $0 | $5K | 7.19% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 4.49% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | $0 | $3K | 4.58% |
| TERI ROLLIN3 | UNKNOWN OAK PARK, CA 91377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $970 | $0 | $970 | 1.87% |
| MJ INSURANCE3 Filed as: JACK WU AND VARIOUS AGENTS | 821 BURLINGTON STREET FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $134 | $560 | 1.08% |
| KYLE RYAN3 | 1291 WESLEY AVENUE PASADENA, CA 91104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $0 | $455 | 0.88% |
| MARIA VERONICA JARQUE3 Filed as: MARIA JARQUE | 4744 NORTH PAULINA STREET APARTMENT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $0 | $364 | 0.70% |
| CYD M WYATT3 Filed as: CYD WYATT | 1011 NORTH 49TH AVENUE OMAHA, NE 68132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 0.59% |
| ABRAMS MARKETING INC3 | 9538 WEST PICO BOULEVARD, SUITE 204 LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $0 | $248 | 0.48% |
| ANDRE CRENSHAW3 | 44676 LIBERTY AVENUE LA QUINTA, CA 92253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $0 | $243 | 0.47% |
| RYAN INSURANCE SERVICES LLC3 | 327 WEST BROADWAY GLENDALE, CA 91204 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 10.01% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DRIVE WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMANY | $9 | $0 | $9 | 0.77% |
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 | 1,578 | 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) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | BLUE CROSS OF CALIFORNIA | 1,690 | $13.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,690 | $9.8M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,690 | $9.7M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,690 | $9.7M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 252 | $143K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,092 | $79K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,690 | $9.7M |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 1,690 | $9.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,690 | — |
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.