| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY ALBIN3 | 2010 CROW CANYON PL STE 100 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 0.91% |
| RICHARD A. WENTZ3 Filed as: RICHARD A WENTZ | PO BOX 610 SANTA CLARA, CA 95052 | WESTERN HEALTH ADVANTAGE | $1K | — | $1K | 0.15% |
| GREGORY JAMES ALBIN3 | PACIFIC BROKERS 2010 CROW CANYON PL STE 100 SAN RAMON, CA 94583 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | — | $30K | 7.09% |
| RICHARD WENTZ3 Filed as: RICHARD ALLEN WENTZ | PO BOX 610 SANTA CLARA, CA 95052 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.04% |
| GREGORY JAMES ALBIN3 | 2010 CROW CANYON PL STE 100 SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.48% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD STE 470 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.07% |
| RICHARD WENTZ3 Filed as: RICHARD ALLEN WENTZ | PO BOX 610 SANTA CLARA, CA 95052 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.06% |
| ALBIN, GREGORY J3 | 2010 CROW CANYON PLACE 100 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | 5.00% |
| KERR, WELDON G3 | RBG SAN JOSE 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 2.38% |
| ALBIN, GREGORY J3 | 2010 CROW CANYON PLACE 100 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $5K | — | $5K | 3.50% |
| KERR, WELDON G3 | RBG SAN JOSE 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 2.25% |
| WENTZ, RICHARD A3 | 1190 HOMESTEAD ROAD SANTA CLARA, CA 95050 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 1.50% |
| GREGORY ALBIN3 | 2010 CROW CANYON PL STE 100 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $269 | — | $269 | 3.58% |
| RICHARD WENTZ3 | PO BOX 610 SANTA CLARA, CA 95052 | KAISER FOUNDATION HEALTH PLAN INC | $115 | — | $115 | 1.53% |
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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 314 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 850 | $419K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 850 | $419K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 850 | $419K |
| Prescription drug(2 contracts) | BLUE CROSS OF CALIFORNIA | 32 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.