| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 3.73% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | HEALTH NET | $20K | $529 | $21K | 6.98% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.19% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $989 | — | $989 | 15.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE., SUITE 1200 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $774 | — | $774 | 14.99% |
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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 82 | $673K |
| Dental(2 contracts, 2 carriers) | HEALTH NET | 114 | $369K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 106 | $319K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 82 | $379K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.