| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC. | $77K | — | $77K | 5.93% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $226 | $9K | 10.74% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | -$498 | $1K | $697 | 0.86% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $250 | $6K | 26.05% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 12.24% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | -$309 | $90 | -$219 | -0.88% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC. | $2K | $77 | $3K | 11.44% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | SAFEGUARD HEALTH PLANS, INC. | -$243 | $437 | $194 | 0.88% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $174 | $2K | 21.45% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $12 | $1K | 10.57% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | -$201 | $63 | -$138 | -1.30% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $96 | $2K | 26.16% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $761 | $7 | $768 | 11.97% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | -$104 | $35 | -$69 | -1.08% |
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 | 145 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 215 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $103K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $81K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 215 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.