| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS, INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $64K | $0 | $64K | 2.35% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 0.72% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $10K | $22K | 9.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.42% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 374 | $2.7M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $225K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $225K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $225K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 374 | $2.7M |
| Other(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 374 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.