| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET, SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $90K | $632 | $91K | 4.22% |
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 0.40% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $43K | $0 | $43K | 10.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5900 SAN MATEO, CA 94402 | RELIASTAR LIFE INSURANCE COMPANY | $51K | $0 | $51K | 14.15% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75012 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY, SUITE 325 SAN RAMON, CO 94583 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BOULEVARD IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 14.97% |
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 | 7,403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 229 | $2.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,023 | $81K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,904 | $363K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,904 | $363K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,904 | $363K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 229 | $2.5M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 5,904 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,904 | — |
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.