| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE SUITE 1200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN | $14K | $0 | $14K | 2.92% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | KAISER FOUNDATION HEALTH PLAN | $5K | $0 | $5K | 0.96% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $18K | $1K | $19K | 5.31% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $360 | $7K | 15.88% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING, INC. | 9538 W PICO BLVD LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $539 | $3K | 11.96% |
| TAMARA DENISE CHEZICK3 | 10020 MASON CHATSWORTH, CA 91311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $630 | $21 | $651 | 2.77% |
| TERI ROLLIN3 | C/O TERI ROLLIN OAK PARK, CA 91377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $0 | $288 | 1.23% |
| HUMPHREY NYAPUODI3 Filed as: HUMPHREY NYAPUODI AND OTHER AGENTS | 25716 PLAYER DR VALENICA, CA 91355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 400 GALLERIA PARWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.09% |
| CHARLOTTE MARTINEZ3 | 4424 COLDWATER CANYON STUDIO CITY, CA 91604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| WHITFIELD BENEFIT SOLUTIONS3 | 600 WEST 41ST AVENUE ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SAFEGUARD HEALTH PLANS | $1K | $0 | $1K | 8.47% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $314 | $0 | $314 | 9.18% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 55 | $823K |
| Dental | SAFEGUARD HEALTH PLANS | 47 | $15K |
| Vision | EYEMED VISION CARE | 44 | $3K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $65K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $41K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 55 | $823K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.