| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COASTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COASTA BLVD STE 600 PLEASANT HILL, CA 94523 | GUARDIAN | $19K | $10K | $29K | 11.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | GUARDIAN | $11K | $0 | $11K | 4.41% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #220 SCOTTSDALE, AZ 85251 | GUARDIAN | $8K | $0 | $8K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COASTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION | $749 | $0 | $749 | 1.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION | $350 | $0 | $350 | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 340 MADISON AVENUE 21ST FLR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $603 | $0 | $603 | 2.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $121 | $0 | $121 | 0.58% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 89 | $567K |
| Dental | GUARDIAN | 391 | $259K |
| Vision | GUARDIAN | 391 | $259K |
| Life insurance | GUARDIAN | 391 | $259K |
| Short-term disability | GUARDIAN | 391 | $259K |
| Long-term disability | GUARDIAN | 391 | $259K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 89 | $546K |
| Other | GUARDIAN | 391 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.