| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 3.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 3.96% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES LLC | 2677 NORTH MAIN STREET SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $5K | $5K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 95865 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 6.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INS | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $471 | $0 | $471 | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | HUMANA INSURANCE COMPANY | $400 | $0 | $400 | 1.57% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE, SUITE 200 SACRAMENTO, CA 95826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 2560 PROFESSIONAL PARKWAY SANTA MARIA, CA 93455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $742 | $0 | $742 | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 95865 | HUMANADENTAL INSURANCE COMPANY | $126 | $0 | $126 | 6.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INS | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HUMANADENTAL INSURANCE COMPANY | $70 | $0 | $70 | 3.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | HUMANADENTAL INSURANCE COMPANY | $35 | $0 | $35 | 1.67% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 31 | $416K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 36 | $28K |
| Vision | HUMANA INSURANCE COMPANY | 36 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $19K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 31 | $416K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.