| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 | 303 2ND ST SUITE 401, NORTH TOWER SAN FRANCISCO, CA 94107 | UNITED HEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 5.00% |
| YOUR PEOPLE INC3 | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94017 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | — | $111 | $111 | 0.03% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 2ND STREET, SUITE 450 NORTH TOWER SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 7.29% |
| PARKER CONRAD3 Filed as: PARKER R. CONRAD | 650 CHURCH STREET SUITE 3 SAN FRANCISCO, CA 94114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $14K | 4.56% |
| YOUR PEOPLE INC3 | 303 2ND ST DEPT LA 24402 PASADENA, CA 91185 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $303K |
| Vision | VISION SERVICE PLAN | 204 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $303K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $303K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $303K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $1.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.