| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEALEY RENTON & ASSOCIATES3 | PO BOX 12675 OAKLAND, CA 946042675 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 5.02% |
| DEALEY RENTON & ASSOCIATES3 | PO BOX 12675 OAKLAND, CA 946042675 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 4.86% |
| DEALEY RENTON & ASSOCIATES3 | INSURANCE BROKERS PO BOX 12675 OAKLAND, CA 946042675 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.13% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES IN | PO BOX 12675 OAKLAND, CA 94604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.26% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATE | 530 WATER STREET, 7TH FLOOR OAKLAND, CA 94607 | GERBER LIFE INSURANCE CO. | $2K | — | $2K | 10.03% |
| DEALEY RENTON & ASSOCIATES3 | INSURANCE BROKERS PO BOX 12675 OAKLAND, CA 946042675 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.79% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 152 | $945K |
| Vision | GERBER LIFE INSURANCE CO. | 174 | $23K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $48K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $71K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $71K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
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.