| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $36K | — | $36K | 3.81% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 700 AIRPORT BLVD. BURLINGAME, CA 94010 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 0.43% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 4.55% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 1.83% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | GUARDIAN | $17K | — | $17K | 9.19% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | GUARDIAN | $102 | — | $102 | 0.06% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | HEALTH PLAN OF NEVADA | $7K | — | $7K | 5.91% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $982 | — | $982 | 4.71% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $466 | — | $466 | 2.23% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 233 | $1.3M |
| Dental | GUARDIAN | 263 | $180K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 263 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 263 | $1.1M |
| Long-term disability | GUARDIAN | 263 | $180K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 233 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 263 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.