| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $137 | $23K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 1.58% |
| MYKISHA L. THOMAS3 | 607 EAST 67TH STREET, APARTMENT 4 INGLEWOOD, CA 90302 | AFLAC | $5K | $108 | $5K | 10.54% |
| MJ INSURANCE3 Filed as: DAVID HERNANDEZ AND VARIOUS AGENTS | 1160 EAST MARIPOSA AVENUE EL SEGUNDO, CA 90245 | AFLAC | $2K | $6 | $2K | 3.55% |
| EMERALD SHAREE AUSTIN3 | 405 LA COLINA DRIVE INGLEWOOD, CA 90302 | AFLAC | $2K | $8 | $2K | 3.52% |
| EMERALD SHAREE AUSTIN3 | 4445 ATLANTIC AVENUE, APARTMENT 4 LONG BEACH, CA 90807 | AFLAC | $854 | $0 | $854 | 1.95% |
| TALHA ZAQUIR RAHMAN3 | 3848 WEST CARSON STREET, SUITE 110 TORRANCE, CA 90503 | AFLAC | $430 | $9 | $439 | 1.00% |
| DAVID HERNANDEZ3 | 3848 WEST CARSON STREET, SUITE 110 TORRANCE, CA 90503 | AFLAC | $358 | $33 | $391 | 0.89% |
| STEVEN R. JOHNSON3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $343 | $33 | $376 | 0.86% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 116 | $767K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $0 |
| Vision | VISION SERVICE PLAN | 116 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $0 |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 116 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $0 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 116 | $767K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.