| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $180K | — | $180K | 3.96% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $287K | $23K | $310K | 11.73% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $12K | $156K | 5.89% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $35K | — | $35K | 6.56% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 3.90% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $25K | $8K | $32K | 13.82% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $9K | — | $9K | 4.08% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $26K | $8K | $34K | 18.31% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $10K | — | $10K | 5.49% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 14.35% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 7.36% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.40% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 4.05% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 4.69% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $1K | — | $1K | 3.76% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $497 | — | $497 | 4.02% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK RD SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $296 | — | $296 | 5.05% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | CHLIC FOR THE BENEFIT OF LINA | $318 | — | $318 | 9.43% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137 | $8K | $8K | 556.23% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | $55 | $124 | 9.03% |
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 | 3,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 513 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $49K |
| Vision | VISION SERVICE PLAN | 3,657 | $529K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,978 | $2.6M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,978 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,978 | $2.6M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 513 | $5.0M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,978 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,978 | — |
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.