| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL HR INSURANCE SERVICES3 | PO BOX 2188 RANCHO CORDOVA, CA 957142188 | KAISER FOUNDATION HEALTH PLAN INC | $188K | — | $188K | 4.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC,-IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $11 | — | $11 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PL STE 300 BOSTON, MA 021166516 | KAISER FOUNDATION HEALTH PLAN INC | -$9 | — | -$9 | -0.00% |
| TOTAL HR INSURANCE SERVICES3 | PO BOX 2188 RANCHO CORDOVA, CA 957412188 | KAISER FOUNDATION HEALTH PLAN INC | $128K | — | $128K | 4.67% |
| JD ALLMAN, INC.3 Filed as: J.D.ALLMAN INC. | PO BOX 2188 RANCHO CORDOVA, CA 957412188 | VISION SERVICE PLAN | $4K | — | $4K | 1.94% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN, INC DBA TOTAL HR | INSURANCE 1730 I STREET, SUITE 240 SACARAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 14.24% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN, INC DBA TOTAL HR | INSURANCE 1730 I STREET SUITE 240 SACARAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN, INC DBA TOTAL HR | INSURANCE 1730 I STREET SUITE 240 SACARAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN, INC DBA TOTAL HR | INSURANCE 1730 I STREET, SUITE 240 SACARAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 4,827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $6.9M |
| Vision | VISION SERVICE PLAN | 1,730 | $228K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,457 | $250K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $126K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,457 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,457 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.