| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 3.69% |
| RISK STRATEGIES COMPANY3 Filed as: FOUNTATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94598 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $315 | $1K | 17.03% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $414 | — | $414 | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | STARMOUNT LIFE INSURANCE COMPANY | $254 | $78 | $332 | 14.34% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 66 | $375K |
| Dental | DELTA DENTAL OF CALIFORNIA | 11 | $4K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 21 | $2K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $8K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 66 | $375K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.