| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $109K | — | $109K | 4.44% |
| TAPERT INSURANCE AGENCY3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | CALIFORNIA PHYSICIANS SERVICE | — | $23K | $23K | 5.32% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $289 | $6K | 15.71% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 SIERRA MADRE, CA 91024 | HUMANA, INC. | $4K | — | $4K | 9.85% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $299 | $5K | 15.93% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 14 N. BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $611 | $32 | $643 | 15.83% |
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 | 461 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 394 | $2.9M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 224 | $172K |
| Vision | HUMANA, INC. | 389 | $37K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 400 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 461 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 394 | $2.9M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 400 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.