| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSTAR INSURANCE BROKERS, INC.3 | 5450 E HIGH ST STE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 5.01% |
| TAYLOR BENEFITS INSURANCE AGENCY3 Filed as: TAYLOR BENEFITS INSURANCE AGENCY, | INC 4820 HARWOOD RD STE 130 SAN JOSE, CA 95124 | KAISER FOUNDATION HEALTH PLAN INC | $42 | $0 | $42 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD INSURANCE SERVICES | — | AMERITAS LIFE INSURANCE CORP. | $9K | $1K | $10K | 14.59% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS INC | 5450 E HIGH STREET SUITE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $502 | $0 | $502 | 2.18% |
| TODD FREDERICK TAYLOR3 | 2242 CORONET DR SAN JOSE, CA 95124 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $85 | $0 | $85 | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $778 | $3K | 14.09% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 233 | $629K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 407 | $70K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 468 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.