| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVA INSURANCE SOLUTIONS3 | 1930 S. BREA CANYON SUITE 200 DIAMOND BAR, CA 91765 | CALIFORNIA PHYSICIANS SERVICE | $122 | $837K | $837K | 5.26% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD STE 200 DIAMOND BAR, CA 917659176 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $95K | $13K | $107K | 0.86% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON RD STE 200 DIAMOND BAR, CA 917659176 | KAISER FOUNDATION HEALTH PLAN INC | $110K | — | $110K | 4.24% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD STE 200 DIAMOND BAR, CA 917659176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 12.94% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD STE 200 DIAMOND BAR, CA 917659176 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 12.52% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD STE 200 DIAMOND BAR, CA 917659176 | VISION SERVICE PLAN | $15K | — | $15K | 8.87% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 917659176 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $8K | — | $8K | 6.07% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD SUITE 200 DIAMOND BAR, CA 917659176 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $0 | — | $0 | 0.00% |
| INNOVA INSURANCE3 | 1930 S. BREA CANYON ROAD STE 200 DIAMOND BAR, CA 917659176 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $414 | — | $414 | 2.36% |
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 | 2,320 | 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) | 2,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,070 | $18.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,320 | $12.4M |
| Vision | VISION SERVICE PLAN | 1,897 | $169K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,320 | $12.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,220 | $242K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,320 | $269K |
| Prescription drug(5 contracts, 5 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,070 | $18.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,320 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,320 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.