| 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. | $47K | — | $47K | 5.00% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O. BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.39% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O. BOX 7220 REDLANDS, CA 92373 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | SAFEGUARD HEALTH PLANS, INC. | $3K | — | $3K | 9.94% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.87% |
| RICHARD BLAINE HUBER3 Filed as: RICHARD HUBER INSURANCE SERVICES | P.O. BOX 7220 REDLANDS, CA 92375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 10.00% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BLVD., SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 10.00% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 174 | $939K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $79K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $35K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 174 | $939K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.