| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 | DEPT LA 24402 PASADENA, CA 911850001 | KAISER PERMANENTE | $59K | — | $59K | 4.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 3697 MT. DIABLE BLVD., #100 LAFAYETTE, CA 945493769 | KAISER PERMANENTE | $13K | — | $13K | 0.89% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, #401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE 3697 MT. DIABLE BLVD. LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 2.16% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE 3697 MT. DIABLE BLVD. LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $979 | $129 | $1K | 4.14% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE 3697 MT. DIABLO BLVD. LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $904 | $121 | $1K | 4.29% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, #401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF CALIFORNIA | $600 | — | $600 | 2.57% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, #401 SAN FRANCISCO, CA 94107 | ANTHEM BLUE CROSS | $2K | — | $2K | 9.23% |
| MVI ADMINISTRATORS, INC.3 | 1011 CAMINO DEL RIO SO, #300 SAN DIEGO, CA 92108 | ANTHEM BLUE CROSS | — | $944 | $944 | 4.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE 3697 MT. DIABLO BLVD. LAFAYETTE, CA 94549 | EYEMED VISION CARE | $509 | — | $509 | 3.05% |
| PARKER CONRAD3 | 303 2ND STREET NORTH TOWER #40 SAN FRANCISCO, CA 94107 | EYEMED VISION CARE | $507 | — | $507 | 3.03% |
| YOURPEOPLE, INC.3 | LB SERV 845661 3440 FLAIR DRIVE EL MONTE, CA 91731 | EYEMED VISION CARE | $160 | — | $160 | 0.96% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | $76 | $657 | 4.14% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, #401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF CALIFORNIA | $463 | — | $463 | 3.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE 3697 MT. DIABLE BLVD. LAFAYETTE, CA 94549 | DELTA DENTAL OF CALIFORNIA | $277 | — | $277 | 1.87% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $216 | — | $216 | 6.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | LAFAYETTE TERRACE LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129 | $17 | $146 | 4.23% |
| YOURPEOPLE, INC.3 | 303 2ND STREET, #401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF CALIFORNIA | $65 | — | $65 | 2.38% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 210 | $1.4M |
| Dental(4 contracts) | DELTA DENTAL OF CALIFORNIA | 261 | $190K |
| Vision | EYEMED VISION CARE | 310 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $27K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
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.