| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARMAN AND FAIRBANKS INSURANCE3 Filed as: CARMAN AND FAIRBANKS INSURANCE SERV | 12006 BROADWAY TER OAKLAND, CA 94611 | KAISER FOUNDATION HEALTH PLAN, INC | $11K | — | $11K | 5.42% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC | $3K | — | $3K | 1.41% |
| CARMAN AND FAIRBANKS INSURANCE3 Filed as: CARMAN AND FAIRBANKS INSURANCE SERV | 12006 BROADWAY TERRACE OAKLAND, CA 94611 | DENTAL AND VISION INS | $12K | — | $12K | 8.00% |
| CARMAN AND FAIRBANKS INSURANCE3 | 12006 BROADWAY TERRACE OAKLAND, CA 94611 | BLUE OF CALIFORNIA | $5K | — | $5K | 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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 144 | $303K |
| Dental | DENTAL AND VISION INS | 119 | $152K |
| Vision | DENTAL AND VISION INS | 119 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.