| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | AETNA LIFE INSURANCE COMPANY | $135K | — | $135K | 4.87% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 6.47% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | AETNA HEALTH, INC. | $28K | — | $28K | 4.93% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | — | $11K | 11.70% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 6.05% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.14% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 665 | $4.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 665 | $2.8M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 286 | $26K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 447 | $95K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 447 | $95K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 447 | $95K |
| Prescription drug(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 665 | $4.0M |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 447 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.