| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER SHEININ3 | 301 NORTH CANON DRIVE SUITE 226 BEVERLY HILLS, CA 90210 | HEALTH NET | $42K | — | $42K | 3.96% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP | 2001 E FINANCIAL WAY SUITE 200 GLENDORA, CA 91741 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 1.98% |
| ALEXANDER SHEININ3 | 301 N CANON DR STE 226 BEVERLY HILLS, CA 90210 | HUMANA INSURANCE COMPANY | $26K | — | $26K | 12.55% |
| ALDA R DEARMOND3 | 1693 SOUTH SPRING VALLEY LANE SUITE 200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO | $1K | — | $1K | 3.24% |
| ALEXANDER SHEININ3 | 301 N CANON DR STE 226 BEVERLY HILLS, CA 90210 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 12.95% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $765 | — | $765 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SE | 4371 LATHAM STREET SUITE #101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $593 | — | $593 | 17.49% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP DBA CDS INSURANCE SER | 2001 EAST FINANCIAL WAY SUITE 200 GLENDORA, CA 91741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $254 | — | $254 | 7.49% |
| WILLNER-CARDINET-KIDWELL3 | 333 NORTH INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SE | 4371 LATHAM ST SUITE #101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $701 | — | $701 | 25.88% |
| CDS INSURANCE SERVICES3 Filed as: CDS CORP DBA CDS INSURANCE SER | 2001 E FINANCIAL WAY SUITE 200 GLENDORA, CA 91741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 7.49% |
| WILLNER-CARDINET-KIDWELL3 | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.15% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $191 | — | $191 | 9.99% |
| INSURE IDAHO LLC3 | 1693 SOUTH SPRING VALLEY LANE SUITE 200 MERIDIAN, ID 83642 | LIFEMAP ASSURANCE COMPANY | $75 | — | $75 | 10.07% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NET | 230 | $1.4M |
| Dental(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 150 | $596K |
| Vision | HUMANA INSURANCE COMPANY | 150 | $210K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $16K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
No prospect flags tripped on this filing.