| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMED J. FRIEDMAN3 | 1735 SAN GABRIEL AVE VENTURA, CA 93004 | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | $43K | — | $43K | 3.09% |
| JAMES J FRIEDMAN3 Filed as: JAMES FRIEDMAN | 10009 REGENCY CANYON WAY LAS VEGAS, NV 89148 | KAISER FOUNDATION HEALTH PLAN, INC. | $34K | — | $34K | 3.00% |
| JAMES J FRIEDMAN3 | 10009 REGENCY CANYON WAY LAS VEGAS, NV 89148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.47% |
| JAMES J FRIEDMAN3 | 10009 REGENCY CANYON WAY LAS VEGAS, NV 89148 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.72% |
| JAMES J FRIEDMAN3 | 1735 SAN GABRIEL AVE VENTURA, CA 93004 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JAMES J FRIEDMAN3 Filed as: JAMES J FREIDMAN | 1735 SAN GABRIEL AVE VENTURA, CA 93004 | VISION SERVICE PLAN | $2K | — | $2K | 2.93% |
| JAMES J FRIEDMAN3 | 10009 REGENCY CANYON WAY LAS VEGAS, NV 89148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.07% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | 164 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $145K |
| Vision | VISION SERVICE PLAN | 320 | $68K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 378 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $218K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CA CALIFORNIA PHYSICIANS' SERVICE | 164 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 402 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.