| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN D SNYDER3 | 40 COLLEGE ROAD WELLESLEY, MA 02482 | GUARDIAN LIFE | $11K | — | $11K | 4.40% |
| PE INSURANCE SERVICES LLC3 | 750 BATTERY STREET 7TH FLOOR SAN FRANCISCO, CA 94111 | GUARDIAN LIFE | $2K | — | $2K | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MOUNT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN | $10K | — | $10K | 12.10% |
| JOHN D SNYDER3 Filed as: JOHN DAVID SNYDER | 30 SOUTHWEST PARK WESTWOOD, MA 02090 | KAISER FOUNDATION HEALTH PLAN | $6K | — | $6K | 6.65% |
| TELEMON HUMAN CAPITAL RESOURCES3 | 30 SOUTHWEST PARK WESTWOOD, MA 09090 | VISION SERVICE PLAN | $1K | — | $1K | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MOUNT DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | VISION SERVICE PLAN | $836 | — | $836 | 3.27% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 12 | $84K |
| Dental | GUARDIAN LIFE | 277 | $240K |
| Vision | VISION SERVICE PLAN | 145 | $26K |
| Life insurance | GUARDIAN LIFE | 277 | $240K |
| Short-term disability | GUARDIAN LIFE | 277 | $240K |
| Long-term disability | GUARDIAN LIFE | 277 | $240K |
| Other | GUARDIAN LIFE | 277 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.