| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN & FRANZ INSURANCE AND3 Filed as: MORGAN & FRANZ INS AND FIN SVCS INC | PO BOX 1567 RANCHO CUCAMONGA, CA 917291567 | KAISER FOUNDATION HEALTH PLAN, INC. | $77K | — | $77K | 5.90% |
| MORGAN & FRANZ INSURANCE AND3 Filed as: MORGAN & FRANZ INS & FIN SVCS, INC | PO BOX 1567 RANCHO CUCAMONGA, CA 917291567 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | — | $16K | 6.21% |
| TUCKER FINANCIAL & INSURANCE SRVCS3 Filed as: TUCKER FINANCIAL & INSURANCE SRV IN | 10606 N TRADEMARK PKWY STE 201A RANCHO CUCAMONGA, CA 917305910 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.18% |
| TUCKER FINANCIAL & INSURANCE SRVCS3 | 10606 N TRADEMARK PKWY STE 201A RANCHO CUCAMONGA, CA 917305910 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | — | $1K | 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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 313 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $141K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $129K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 313 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.