| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC FEDERAL, LLC5 | 1000 N CENTRAL AVE STE 400 GLENDALE, CA 912023627 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | $0 | $46K | 1.70% |
| PACFED INSURANCE SERVICES, INC.5 Filed as: PACFED INSURANCE SERVICES | 1000 N CENTRAL AVE STE 400 GLENDALE, CA 912023627 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 0.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFIC FEDERAL LLC EIN 47-3302715 NONE | Consulting (general); Direct payment from the plan; Contract Administrator Service code 13 | — | $175K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 345 | $5.9M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 111 | $128K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 393 | $62K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 85 | $4K |
| Other(3 contracts, 3 carriers) | LIBERTY DENTAL PLAN OF CALIFORNIA, INC | 444 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.