| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $84K | — | $84K | 4.85% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $46K | — | $46K | 4.90% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $43K | $75K | 11.65% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $35K | $62K | 11.51% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $9K | $17K | 11.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3 EMBARCADERO CENTER #560 SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: THE PRECEPT GROUP, INC. | 2000 CROW CANYON PLACE SUITE 220 SAN RAMON, CA 94583 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 2,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,688 | $2.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,300 | $642K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,300 | $543K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,686 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,686 | — |
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.