| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAYA VISTA INSURANCE SERVICES3 Filed as: PLAYA VISTA INSURANCE SERVICES INC. | 8055 MANCHESTER AVE., SUITE 202 PLAYA DEL REY, CA 90293 | BLUE CROSS OF CALIFORNIA | $64K | — | $64K | 4.19% |
| VISCO FINANCIAL INC3 | 44824 N CEDAR AVENUE LANCASTER, CA 93539 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 0.90% |
| VISCO FINANCIAL INC3 | 44824 N CEDAR AVENUE LANCASTER, CA 93534 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 4.48% |
| PLAYA VISTA INSURANCE SERVICES3 Filed as: PLAYA VISTA INSURANCE SERVICES INC. | 8055 MANCHESTER AVE., SUITE 202 PLAYA DEL REY, CA 90293 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.20% |
| VISCO FINANCIAL INC3 | 44824 CEDAR AVENUE LANCASTER, CA 93539 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $676 | — | $676 | 0.90% |
| VISCO FINANCIAL INC3 | 44824 N CEDAR AVENUE LANCASTER, CA 93534 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 5.99% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 210 | $1.6M |
| Dental | BLUE CROSS OF CALIFORNIA | 109 | $1.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 116 | $75K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 116 | $75K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 210 | $1.6M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 116 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.