| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC. | $44K | — | $44K | 4.96% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O. BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $179 | $13K | 15.22% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $120 | $9K | 15.20% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O. BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $92 | $7K | 15.21% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.89% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | SAFEGUARD HEALTH PLANS, INC. | $3K | — | $3K | 9.81% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.06% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 165 | $878K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $44K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 165 | $878K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.