| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | UNITED HEALTHCARE INSURANCE COMPANY | $145K | — | $145K | 5.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.08% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | $88K | — | $88K | 4.99% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 5.10% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.69% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS BARNETT & ASSOCIATES | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 13.40% |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 875 | $4.8M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 875 | $2.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 875 | $2.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $102K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 875 | $4.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.