| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR. STE. 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 2.91% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.43% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE. 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE. 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.53% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.78% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR., STE. 100 MENLO PARK, CA 94025 | VISION SERVICE PLAN | $887 | — | $887 | 2.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INS SVCE 3925 BOHANNON DR., STE. 100 MENLO PARK, CA 94025 | VISION SERVICE PLAN | $532 | — | $532 | 1.77% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE. 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.80% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $740 | — | $740 | 3.34% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE. 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.11% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $650 | — | $650 | 3.34% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE STE. 100 MENLO PARK, CA 94025 | STANDARD INSURANCE COMPANY | $108 | — | $108 | 2.19% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR. CALEDONIA, MI 49316 | STANDARD INSURANCE COMPANY | $26 | — | $26 | 0.53% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 85 | $494K |
| Dental | STANDARD INSURANCE COMPANY | 160 | $145K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 160 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 164 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 164 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 164 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.