| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PE INSURANCE SERVICES LLC3 | 750 BATTERY STREET 7TH FLOOR SAN FRANCISCO, CA 94111 | GUARDIAN LIFE | $12K | — | $12K | 4.50% |
| PE INSURANCE SERVICES LLC3 | 750 BATTERY STREET 7TH FLOOR SAN FRANCISCO, CA 94111 | GUARDIAN LIFE | $2K | — | $2K | 0.75% |
| 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 | 15.69% |
| PE INSURANCE SERVICES LLC3 | 2121 NORTH CALIFORNIA BLVD SUITE 1025 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN | $5K | — | $5K | 7.08% |
| PE INSURANCE SERVICES LLC3 | 750 BATTERY STREET 6TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 4.10% |
| 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 | 2.38% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 14 | $65K |
| Dental | GUARDIAN LIFE | 323 | $274K |
| Vision | VISION SERVICE PLAN | 170 | $35K |
| Life insurance | GUARDIAN LIFE | 323 | $274K |
| Short-term disability | GUARDIAN LIFE | 323 | $274K |
| Long-term disability | GUARDIAN LIFE | 323 | $274K |
| Other | GUARDIAN LIFE | 323 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.