| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | ANTHEM BLUE CROSS | $29K | — | $29K | 5.22% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | — | $15K | $15K | 2.61% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | CALIFORNIA PHYSICIANS SERVICE | $36K | — | $36K | 6.92% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.55% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $7 | $6K | 3.58% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 88 | $1.4M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 355 | $701K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 355 | $701K |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 88 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.