| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 350 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $0 | $56K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 160 WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $16K | $0 | $16K | 5.00% |
| CAROL ANN ANDERSON3 | 11060 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $9K | $0 | $9K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROACK ROAD, SUITE 160 RANCHO, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.15% |
| GIS NATIONAL3 Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.59% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 166 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $134K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $134K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $134K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 166 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.