| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARION DOUGLAS FNCL & INS SVCS3 | — | KAISER PERMANENTE | $30K | — | $30K | 5.00% |
| MARION DOUGLAS FNCL & INS SVCS3 | — | ANTHEM BLUE CROSS | $29K | — | $29K | 5.00% |
| MARION DOUGLAS FNCL & INS SVCS3 | — | UNITEDHEALTHCARE OF CALIFORNIA | $11K | — | $11K | 5.00% |
| MARION DOUGLAS FNCL & INS SVCS3 | — | HEALTH NET | $2K | — | $2K | 5.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE FINANCIAL AND INS SVC | — | DELTA DENTAL FFS | $4K | — | $4K | 10.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE FINANCIAL AND INS SVC | — | DELTACARE USA | $2K | — | $2K | 10.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE FINANCIAL AND INS SVC | — | VSP | $1K | — | $1K | 10.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR Filed as: COMPREHENSIVE FINANCIAL AND INS SVC | — | LANDMARK HEALTHPLAN | $171 | — | $171 | 9.90% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER PERMANENTE | 90 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL FFS | 112 | $57K |
| Vision | VSP | 142 | $14K |
| Other | LANDMARK HEALTHPLAN | 97 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.