| 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 INC | $18K | — | $18K | 3.29% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE SVC | 245 SOUTH LOS ROBLES AVENUE SUITE 400 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.10% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS LLC | 6320 CANOGA AVENUE FLOOR 12 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | $9K | — | $9K | 2.71% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT INSURANCE | 245 SOUTH LOS ROBLES AVENUE SUITE 400 PASADENA, CA 91101 | BLUE SHIELD OF CALIFORNIA | $4K | — | $4K | 1.29% |
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT SERVICES INC | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.99% |
| BENEFITS AMERICA INSURANCE SER3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $15 | $1K | 15.18% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 97 | $854K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $86K |
| Vision | BLUE SHIELD OF CALIFORNIA | 52 | $318K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 52 | $318K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.