| 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 | CALIFORNIA PHYSICIANS SERVICE | $174K | — | $174K | 5.00% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | $99K | — | $99K | 5.01% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 4.98% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.00% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $667 | $2K | 2.02% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS BARNETT & ASSOCIATES | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 10.00% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $226 | $5K | 15.64% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $217 | $5K | 15.64% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $191 | $5K | 15.61% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $188 | $5K | 15.62% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $96 | $2K | 15.62% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $455 | — | $455 | 3.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $128 | $195 | 1.53% |
| CROOM, ROBERT, FRINK3 | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 4.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 3.70% |
| CROOM, ROBERT, FRINK3 Filed as: CROOM, ROBERT, FRANK | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.18% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $276 | $16 | $292 | 11.63% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 381 | $5.8M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,001 | $366K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,001 | $307K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $123K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $60K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $34K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 381 | $5.8M |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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.