| 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 | $82K | — | $82K | 5.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | — | $798 | $798 | 0.05% |
| MORGAN & FRANZ INSURANCE AND3 | FINANCIAL SVCS., INC. PO BOX 1567 RANCHO CUCAMONGA, CA 917291567 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 5.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | — | $272 | $272 | 0.07% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER FINANCIAL & INSURANCE SVCS | — | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.11% |
| 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 | 1.00% |
| TUCKER JOHNSTON & SMELZER INC3 Filed as: TUCKER FINANCIAL & INSURANCE SVCS | — | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $2K | — | $2K | 10.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 317 | $2.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $165K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $148K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 28 | $119K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.