| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVA INSURANCE SOLUTIONS3 | 1930 S. BREA CANYON SUITE 200 DIAMOND BAR, CA 91765 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | $66 | $503K | $504K | 4.87% |
| INNOVA INSURANCE SOLUTIONS3 | 1930 S BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 917654011 | KAISER FOUNDATION HEALTH PLAN INC | $96K | — | $96K | 4.29% |
| INNOVA INSURANCE SOLUTIONS3 | 1930 S BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 91765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77K | $2K | $79K | 8.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.00% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTION | 1930 S BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 91765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 10.00% |
| INNOVA INSURANCE SOLUTIONS3 | 1930 S BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 917654011 | VISION SERVICE PLAN | $12K | — | $12K | 9.12% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTION | 1930 S BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 91765 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTIONS INC. | 1930 S. BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 91765 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $5K | — | $5K | 5.67% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTIONS INC. | 1930 S. BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 91765 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $117 | — | $117 | 2.59% |
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 | 1,626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | 1,435 | $12.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,626 | $977K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,626 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,626 | $977K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 651 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $164K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | 1,435 | $10.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,626 | $977K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,626 | — |
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.