| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN INC | $80K | $0 | $80K | 6.48% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $30K | $0 | $30K | 3.64% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES INC | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $29K | $29K | 3.50% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.23% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 9.53% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.95% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $546 | $0 | $546 | 1.25% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 141 | $2.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 292 | $1.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 265 | $877K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $406K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $356K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 141 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.