| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WA 53406 | KAISER PERMANENTE INSURANCE CO | $29K | $0 | $29K | 4.58% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 8700 EAST PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | PREMIER ACCESS INSURANCE CO | $3K | $0 | $3K | 5.54% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BOULEVARD, SUITE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $4K | $77 | $5K | 12.87% |
| JOSEPH J. FOGEL3 | 2390 31ST AVENUE, APARTMENT 104 SAN FRANCISCO, CA 94116 | AFLAC | $2K | $0 | $2K | 4.78% |
| KRISTINA J KUNZ3 Filed as: KRISTINA J. KUNZ AND OTHER AGENTS | 351 CALIFORNIA STREET, SUITE 450 SAN FRANCISCO, CA 94101 | AFLAC | $894 | $48 | $942 | 2.67% |
| JOSEPH J. FOGEL3 | 1398 SHAFTER AVENUE SAN FRANCISCO, CA 94124 | AFLAC | $882 | $19 | $901 | 2.56% |
| KRISTINA J KUNZ3 Filed as: KRISTINA J. KUNZ | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $579 | $0 | $579 | 1.64% |
| JULIE ATKINS3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $354 | $0 | $354 | 1.01% |
| WALTER O. PECCORINI3 | 1031 MCHENRY AVENUE, SUITE 20 MODESTO, CA 95350 | AFLAC | $260 | $0 | $260 | 0.74% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WA 53406 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $821 | $0 | $821 | 10.00% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WA 53406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $1K | 15.72% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE INSURANCE CO | 119 | $633K |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE CO | 163 | $84K |
| Vision(2 contracts, 2 carriers) | AFLAC | 73 | $43K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 142 | $43K |
| Short-term disability | AFLAC | 42 | $35K |
| Prescription drug | KAISER PERMANENTE INSURANCE CO | 119 | $633K |
| Other(2 contracts, 2 carriers) | AFLAC | 142 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.