| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | $12K | $42K | 6.95% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | BLUE CROSS OF CALIFORNIA | $12K | — | $12K | 7.91% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | PREMIER ACCESS INSURANCE COMPANY | $591 | — | $591 | 9.15% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 10.01% |
| ORION BUSINESS INSURANCE3 | 1250 CORONA POINTE COURT, SUITE 302 CORONA, CA 92879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183 | — | $183 | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.89% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 99 | $752K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 100 | $181K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 103 | $160K |
| Life insurance(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 119 | $187K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5 | $1K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 99 | $752K |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 119 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.