| 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. | $82K | — | $82K | 5.92% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.26% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $136 | $2K | 8.43% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 17.69% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $892 | $56 | $948 | 7.15% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.33% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 23.78% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $990 | $32 | $1K | 9.35% |
| WESTLAKE RISK & INSURANCE SERVICES3 | 2659 TOWNSGATE ROAD, SUITE 103 WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.25% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.