| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN & FRANZ INSURANCE AND3 | FINANCIAL SVCS., INC. PO BOX 1567 RANCHO CUCAMONGA, CA 917291567 | KAISER FOUNDATION HEALTH PLAN INC | $61K | — | $61K | 7.04% |
| MORGAN & FRANZ INSURANCE AND3 | FINANCIAL SVCS., INC. PO BOX 1567 RANCHO CUCAMONGA, CA 917291567 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 7.02% |
| MORGAN & FRANZ INSURANCE AND FINANC3 Filed as: MORGAN & FRANZ | 10606 TRADEMARK PKWY N NO 201A RANCHO CUCAMONGA, CA 91730 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | POB 102159 PASADENA, CA 91189 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1K | — | -$1K | -0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | CENTER 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | BLUE CROSS BLUE SHIELD OF ARIZONA | $1K | — | $1K | 1.86% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 126 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $135K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $135K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $135K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 19 | $71K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.