| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES, INC. | 1791 3RD STREET NORCO, CA 928602670 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 4.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.79% |
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES, INC. | 1791 3RD STREET NORCO, CA 928602670 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.63% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W. HILLSDALE BLVD., SUITE 201 SAN MATEO, CA 944023766 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| DIGITAL INSURANCE LLC3 | 909 ROSE AVENUE, SUITE 700 ROCKVILLE, MD 208528725 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES, INC. | 1791 3RD STREET NORCO, CA 928602670 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $566 | $128 | $694 | 1.08% |
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES, INC. | 1791 3RD STREET NORCO, CA 928602670 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $666 | — | $666 | 8.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $96 | $12 | $108 | 1.43% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 151 | $742K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $64K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $64K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 151 | $742K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.