| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEALEY RENTON & ASSOCIATES3 | PO BOX 12675 OAKLAND, CA 946042675 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 5.38% |
| DEALEY RENTON & ASSOCIATES3 | PO BOX 12675 OAKLAND, CA 946042675 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 5.37% |
| DEALEY RENTON & ASSOCIATES3 | INSURANCE BROKERS PO BOX 12675 OAKLAND, CA 946042675 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.05% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES IN | PO BOX 12675 OAKLAND, CA 94604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $768 | $6K | 14.77% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 0.26% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | — | GERBER | $4K | — | $4K | 10.00% |
| DEALEY RENTON & ASSOCIATES3 | INSURANCE BROKERS PO BOX 12675 OAKLAND, CA 946042675 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.17% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 195 | $1.1M |
| Vision | GERBER | 247 | $40K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $58K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $93K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $93K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.