| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS,INC. | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN, INC. | $45K | — | $45K | 4.95% |
| TRANSTAR INSURANCE BROKERS, INC.3 | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 4.96% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 10.33% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $733 | — | $733 | 5.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 217 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 154 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 188 | $147K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 188 | $147K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $15K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.