| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILLCREST INSURANCE SERVICES, INC.3 | 11601 WILSHIRE BLVD., SUITE 500 LOS ANGELES, CA 90025 | KAISER FOUNDATION HEALTH PLAN INC. | $137K | — | $137K | 4.61% |
| HILLCREST INSURANCE SERVICES, INC.3 | 2450 COLORADO AVE STE 100E LOS ANGELES, CA 90404 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | — | $79K | 6.00% |
| HILLCREST INSURANCE SERVICES, INC.3 | 2450 COLORADO AVE STE 100E LOS ANGELES, CA 90404 | HUMANA INSURANCE COMPANY | $55K | — | $55K | 14.76% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $21K | $1K | $22K | 21.62% |
| HILLCREST INSURANCE SERVICES, INC.3 | 2450 COLORADO AVE STE 100E SANTA MONICA, CA 90404 | VISION SERVICE PLAN | $2K | — | $2K | 3.31% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $584 | — | $584 | 0.83% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 270 | $4.3M |
| Dental | HUMANA INSURANCE COMPANY | 469 | $372K |
| Vision | VISION SERVICE PLAN | 351 | $71K |
| Life insurance | HUMANA INSURANCE COMPANY | 469 | $372K |
| Short-term disability | AFLAC | 93 | $102K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 270 | $3.0M |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 469 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.