| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH SAVINGS ASSOC INS SVCS INC3 | 687 S COAST HWY, SUITE 310 ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | SELECT HEALTH | $2K | — | $2K | 0.79% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOC INS SVCS INC. | 687 S COAST HWY, SUITE 310 ENCINITAS, CA 92024 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $450 | $7K | 8.83% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOC INS SVCS INC. | 700 2ND STREET ENCINITAS, CA 92024 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.90% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOC INS SVCS INC. | 700 2ND STREET ENCINITAS, CA 92024 | CALIFORNIA DENTAL NETWORK, INC. | $662 | — | $662 | 10.01% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 79 | $673K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $128K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $76K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $122K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 79 | $673K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.