| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE &FINANCIAL | PO BOX 1567 RANCHO CUCAMONGA, CA 91729 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | $0 | $5K | 4.91% |
| ARWINS CONNECT INSURANCE SERVICES3 | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC | $1K | $0 | $1K | 1.50% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ INSURANCE & FIN | 10606 N TRADEMARK PKWY N RANCHO CUCAMONGA, CA 91730 | HUMANA INSURANCE COMPANY | $20K | $0 | $20K | 20.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE STE 4005 DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $0 | $790 | $790 | 0.82% |
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 | 163 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 18 | $99K |
| Dental | HUMANA INSURANCE COMPANY | 141 | $97K |
| Vision | HUMANA INSURANCE COMPANY | 141 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.