| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 3.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 2.56% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 8700 EAST PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 6.07% |
| BALTOR INSURANCE SERVICES3 | 1020 MERNER ROAD HILLSBOROGH, CA 94010 | AFLAC | $1K | $156 | $1K | 5.02% |
| JOSEPH J. FOGEL3 | 2390 31ST AVENUE, APARTMENT 104 SAN FRANCISCO, CA 94116 | AFLAC | $401 | $126 | $527 | 2.20% |
| ANNA JANICE RUIZ3 Filed as: ANNA JANICE RUIZ AND OTHER AGENTS | 2596 17TH AVENUE SAN FRANCISCO, CA 94116 | AFLAC | $370 | $58 | $428 | 1.78% |
| KRISTINA J KUNZ3 Filed as: KRISTINA J. KUNZ | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $210 | $68 | $278 | 1.16% |
| WALTER O. PECCORINI3 | 708 WEST SWAIN ROAD STOCKTON, CA 95207 | AFLAC | $210 | $0 | $210 | 0.88% |
| JULIE ATKINS3 | 16321 PACIFIC COAST HIGHWAY SPACE 6 PACIFIC PLISADES, CA 90272 | AFLAC | $183 | $0 | $183 | 0.76% |
| ROBERT MARTINEZ3 | 601 MONTGOMERY STREET, SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $141 | $0 | $141 | 0.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | $36 | $695 | 7.04% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $498 | $64 | $562 | 5.70% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 120 | $668K |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 144 | $83K |
| Vision(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 144 | $83K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 116 | $34K |
| Short-term disability | AFLAC | 28 | $24K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 120 | $668K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.