| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $1 | $22K | 2.47% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE A MENLO PARK, CA 94025 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 4.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANICAL SERVICES | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $797 | $0 | $797 | 0.21% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.85% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 64025 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.06% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 26.27% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | ACE AMERICAN INSURANCE COMPANY | $726 | $0 | $726 | 14.99% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 419 | $891K |
| Dental | AETNA LIFE INSURANCE COMPANY | 637 | $377K |
| Vision | VISION SERVICE PLAN | 313 | $74K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $103K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $103K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $103K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 419 | $891K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.
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.