| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP DESIGN PROFESSIONALS INSURANCE3 | SERVICES, LLC 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945493745 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 4.98% |
| AP DESIGN PROFESSIONALS INSURANCE3 | SERVICES, LLC 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945493745 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 5.02% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945496825 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.22% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY RENTON & ASSOCIATES INS | 3697 MT DIABLO BLVD LAFAYETTE, CA 945493745 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INSURA | 3697 MT. DIABLO BLVD SUITE 230 LAFAYETTE, CA 945493745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.08% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INSURA | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945493745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.92% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | — | GERBER | $3K | — | $3K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 16.96% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945496825 | PRINCIPAL LIFE INSURANCE COMPANY | $549 | — | $549 | 4.21% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY RENTON & ASSOCIATES INS BKRS | 3697 MT DIABLO BLVD LAFAYETTE, CA 945493745 | PRINCIPAL LIFE INSURANCE COMPANY | $410 | — | $410 | 3.15% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 186 | $1.3M |
| Vision | GERBER | 272 | $26K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 414 | $66K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $103K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $103K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.