| 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. | $147K | — | $147K | 4.09% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $324K | $24K | $348K | 10.75% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $162K | $162K | 5.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $33K | — | $33K | 5.59% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.07% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $40K | $2K | $42K | 13.75% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $33K | $2K | $35K | 13.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 11.60% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 5.46% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 6.25% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 4.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | — | $1K | 3.94% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $230 | — | $230 | 3.46% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK RD SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $249 | — | $249 | 3.96% |
| ACCESSEHR INSURANCE SERVICES3 Filed as: ACCESSEHR | 2300 CONTRA COSTA BLVD, STE 520 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $480 | — | $480 | 10.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD STE 520 PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115 | $8 | $123 | 10.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 5.55% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | CHLIC ON BEHALF OF METLIFE | $109 | — | $109 | 9.98% |
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 | 3,953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 532 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $38K |
| Vision | VISION SERVICE PLAN | 3,623 | $585K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,973 | $3.2M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,973 | $3.4M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,973 | $3.2M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 532 | $4.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,973 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,973 | — |
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.