| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INSURANCE AGENCY, | INC. 300 N. LAKE AVE., STE. 210 PASADENA, CA 911014112 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 3.42% |
| BENEFITS AMERICA INSURANCE SERVICES3 | LLC 6320 CANOGA AVE. STE. 1200 WOODLAND HILLS, CA 913672584 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 1.78% |
| CHARLES W. TAPERT INSURANCE AGENCY3 | INC. 14 N. BALDWIN AVE. SIERRA MADRE, CA 910241956 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| BENEFITS AMERICA INSURANCE SERVICES3 | LLC 6320 CANOGA AVE. FL 12 WOODLAND HILLS, CA 913672561 | VISION SERVICE PLAN | $949 | — | $949 | 6.09% |
| BENEFITS AMERICA INSURANCE SERVICES3 | LLC 12TH FLOOR 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | PRUDENTIAL | $834 | — | $834 | 14.99% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $178 | $178 | 3.20% |
| BENEFITS AMERICA INSURANCE SERVICES3 | LLC 12TH FLOOR 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | PRUDENTIAL | $31 | — | $31 | 0.56% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 42 | $21K |
| Vision | VISION SERVICE PLAN | 85 | $16K |
| Life insurance | PRUDENTIAL | 489 | $6K |
| Other | PRUDENTIAL | 489 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.