| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.65% |
| CHAD CHRISTOPHER MORROW3 | 8119 E BAILEY WAY ANAHEIM, CA 92808 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.65% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC | $411 | — | $411 | 0.27% |
| CHAD CHRISTOPHER MORROW3 | 8119 E BAILEY WAY ANAHEIM, CA 92808 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.46% |
| CHAD CHRISTOPHER MORROW3 | 8119 E BAILEY WAY ANAHEIM, CA 92808 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.46% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.09% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNUM INSURANCE COMPANY | $531 | — | $531 | 11.93% |
| CHAD CHRISTOPHER MORROW3 | 8119 E BAILEY WAY ANAHEIM, CA 92808 | UNUM INSURANCE COMPANY | $256 | — | $256 | 5.75% |
| CHAD CHRISTOPHER MORROW3 | 8119 E BAILEY WAY ANAHEIM, CA 92808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $295 | — | $295 | 10.31% |
| HEATH BENEFIT PARTNERS INSURANCE3 | 26522 LA ALAMEDA, SUITE 130 MISSION VIEJO, CA 92691 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $217 | — | $217 | 7.58% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 5.07% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 34 | $251K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $67K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $67K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $3K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 115 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.