| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROSPERO BENF. GROUP AND INS. SVCS.3 Filed as: PROSPERO BNFTS GROUP AND INS SVCS | 925 HIGHLAND POINT DRIVE, SUITE 190 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $0 | $31K | 4.84% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 Filed as: PROSPERO BNFTS GROUP AND INS SVCS | 925 HIGHLAND POINT DRIVE, SUITE 190 ROSEVILLE, CA 95678 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 8.83% |
| BETA HEALTH ASSOCIATION3 Filed as: BETA HEALTH ASSOCIATION INC | UNKNOWN ROSEVILLE, CA 95661 | SUPERIOR VISION PLAN | $973 | $0 | $973 | 6.00% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 160 | $636K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $149K |
| Vision | SUPERIOR VISION PLAN | 184 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $149K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $149K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 160 | $636K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.