| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BACHAN GROUP, LLC3 | PO BOX 698 WATSONVILLE, CA 95077 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | $0 | $35K | 4.34% |
| THE BACHAN GROUP, LLC3 Filed as: BACHAN GROUP, LLC | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 7.31% |
| THE BACHAN GROUP, LLC3 | PO BOX 698 WATSONVILLE, CA 95077 | VISION SERVICE PLAN | $3K | — | $3K | 4.17% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 121 | $805K |
| Dental | TRIPLE-S SALUD, INC. | 2 | $6K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 289 | $70K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 405 | $257K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 405 | $251K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 405 | $251K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 121 | $805K |
| Other | CONCERN EAP | 321 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.