| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $34K | — | $34K | 3.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | — | $668 | $668 | 0.06% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | — | $28K | 2.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | — | $599 | $599 | 0.06% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | HEALTH PLAN OF NEVADA | $22K | — | $22K | 3.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | SHARP HEALTH PLAN | $21K | — | $21K | 3.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | BLUE CROSS BLUE SHIELD OF ARIZONA | $24K | — | $24K | 5.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF ARIZONA | $19 | — | $19 | 0.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 9.87% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $10K | $646 | $10K | 3.21% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 9.85% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | MEDIEXCEL HEALTH PLAN | $7K | — | $7K | 4.81% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 11.84% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | EYEMED VISION CARE | $9K | — | $9K | 9.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $3K | — | $3K | 3.31% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | EYEMED VISION CARE | $4K | — | $4K | 6.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $2K | — | $2K | 3.26% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.15% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.31% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 23.15% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 25.29% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 19.75% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.77% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 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 | 1,892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 216 | $4.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 888 | $656K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,194 | $620K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,892 | $192K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $97K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $82K |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 216 | $4.5M |
| Other(6 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 511 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,892 | — |
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.