| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST STE.110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.04% |
| J.D. GILMOUR & CO., INC.3 Filed as: J.D. GILMOUR AND COMPANY | 300 W GLENOAKS BLVD STE 301 GLENDALE, CA 91202 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 2.77% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERV | 6320 CANOGA AVE. STE 1200 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 18.59% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $290 | — | $290 | 6.77% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST. STE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $237 | — | $237 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | — | $79 | 5.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST. STE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $146 | — | $146 | 14.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49 | — | $49 | 5.02% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST. STE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97 | — | $97 | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48 | — | $48 | 4.95% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST. STE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $97 | — | $97 | 14.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32 | — | $32 | 4.92% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST. STE 110 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 5.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 115 | $559K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $4K |
| Vision | EYEMED VISION CARE | 212 | $4K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 65 | $2K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $969 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 66 | $312K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.