| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE SUITE 226 BEVERLY HILLS, CA 90210 | HEALTH NET | $30K | — | $30K | 2.93% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP | 2001 EAST FINANCIAL WAY SUITE 200 GLENDORA, CA 91741 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 1.98% |
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE SUITE 226 BEVERLY HILLS, CA 90210 | HUMANA INSURANCE COMPANY | $20K | $2K | $21K | 11.93% |
| ALDA R DEARMOND3 | 1693 SOUTH SPRING VALLEY LANE SUITE 200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO | $2K | — | $2K | 3.80% |
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE SUITE 226 BEVERLY HILLS, CA 90210 | HUMANADENTAL INSURANCE COMPANY | $2K | $285 | $2K | 13.50% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP DBA CDS INSURANCE SERVICE | 2001 EAST FINANCIAL WAY SUITE 200 GLENDORA, CA 91741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $207 | — | $207 | 7.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SOUTHEA | 4371 LATHAM STREET SUITE #101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $189 | $7 | $196 | 7.11% |
| DEBRA R PICKETT3 | 79440 CORPARATE CENTER DRIVE SUITE 115 LA QUINTA, CA 92253 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.65% |
| WILLNER-CARDINET-KIDWELL3 | 333 NORTH INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.15% |
| INSURE IDAHO LLC3 | 1693 SOUTH SPRING VALLEY LANE SUITE 200 MERIDIAN, ID 83642 | LIFEMAP ASSURANCE COMPANY | $119 | — | $119 | 10.03% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NET | 251 | $1.3M |
| Dental(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 116 | $517K |
| Vision | HUMANA INSURANCE COMPANY | 116 | $180K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $14K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.