| 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 | $130K | — | $130K | 5.39% |
| 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 | $58K | — | $58K | 5.41% |
| 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 | $42K | $55K | $98K | 11.49% |
| 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 | $37K | $48K | $85K | 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 | $10K | $14K | $24K | 11.69% |
| 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 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3 EMBARCADERO CENTER #560 SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 17.00% |
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 | 3,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,780 | $3.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,983 | $850K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,034 | $738K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,992 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,983 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.