| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIERRA BENEFIT SOLUTIONS3 | P.O. BOX 457 PILOT HILL, CA 95664 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INS SVCS | P.O. BOX 457 PILOT HILL, CA 95664 | AETNA LIFE INSURANCE CO. | $56K | — | $56K | 5.40% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INS SVCS | P.O. BOX 457 PILOT HILL, CA 95664 | AETNA HEALTH, INC. | $31K | — | $31K | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INS SVCS | 5551 MEADOW CROFT LN PILOT HILL, CA 95664 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.99% |
| SIERRA BENEFIT SOLUTIONS3 | 5551 MEADOW CROFT LN PILOT HILL, CA 94664 | HEALTH AND HUMAN RESOURCE CENTER | $418 | — | $418 | 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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 285 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 285 | $1.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $62K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $62K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 285 | $2.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.