| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD. DAYTONA BEACH, FL 32117 | AETNA HEALTH, INC. | $38K | — | $38K | 4.99% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD. DAYTONA BEACH, FL 32117 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 5.08% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94598 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.97% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 1330 N BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 4.68% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94598 | UNITED HEALTHCARE INSURANCE COMPANY | $830 | — | $830 | 10.00% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 104 | $1.1M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 97 | $41K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 100 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $85K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 104 | $1.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.