| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT RESOURCES INC3 Filed as: PREMIER BENEFIT RESOURCES | 2440 CAMINO RAMON STE 375 SAN RAMON, CA 94583 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.52% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.96% |
| CONTINENTAL INSURANCE AGENCY, LLC3 | 4190 S HIGHLAND DRIVE #113 SALT LAKE CITY, UT 84124 | SELECTHEALTH | $7K | — | $7K | 3.51% |
| CELIA NASH INSURANCE3 Filed as: CELIA NASH INSURANCE LC | 2005 E. 2700 S. STE 140 SALT LAKE CITY, UT 84109 | SELECTHEALTH | $1K | $2K | $3K | 1.54% |
| PBR INSURANCE SERVICES3 | 2440 CAMINO RAMON STE 375 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 7.25% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 71 | $643K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 35 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.