| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 | 300 S DUVAL STREET SUITE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 4.79% |
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET #380-7361 SAN FRANCISCO, CA 94115 | CALIFORNIA PHYSICIANS' SERVICE | $13K | — | $13K | 5.00% |
| WAVELING INSURANCE SERVICES INC3 | 300 S DUVAL STREET SUITE 410 TALLAHASSEE, FL 32301 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 7.79% |
| RIPPLING INSURANCE SERVICES INC3 | 300 S DUVAL STREET SUITE 410 TALLAHASSEE, FL 32301 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCT SVS DBA ALTERITY | BROKER SOLUTIONS 8201 N HAYDEN ROAD SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 4.62% |
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET #380-7361 SAN FRANCISCO, CA 94115 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.37% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 94 | $914K |
| Dental | DELTA DENTAL OF CALIFORNIA | 139 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $45K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 94 | $914K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.