| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 3.30% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 S DUVAL STREET SUITE 410 TALLAHASSEE, FL 323011703 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | $11K | — | $11K | 3.87% |
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET #380-7361 SAN FRANCISCO, CA 94115 | CALIFORNIA PHYSICIANS' SERVICE | $3K | — | $3K | 1.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 8.00% |
| RIPPLING INSURANCE SERVICES INC3 | 300 S DUVAL STREET SUITE 410 TALLAHASSEE, FL 32301 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.39% |
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET #380-7361 SAN FRANCISCO, CA 94115 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 12.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $221 | $3K | 7.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | DBA ALTERITY BROKER SOLUTIONS 8201 N HAYDEN ROAD SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $32 | $1K | 3.96% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 106 | $986K |
| Dental | DELTA DENTAL OF CALIFORNIA | 197 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 106 | $986K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.