| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE SUITE 1200 CHICAGO, IL 60606 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $56K | — | $56K | 10.44% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.72% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.02% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.32% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.49% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE M HARTLEY | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS INC | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $436 | — | $436 | 3.12% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $291 | — | $291 | 2.08% |
| AMWINS3 Filed as: LISI, INC. (GA) | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $280 | — | $280 | 2.00% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 94 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $205K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 312 | $739K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 312 | $739K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $205K |
| Prescription drug | HEALTH PLAN OF NEVADA | 24 | $135K |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 312 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.