| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE PROFESSIONAL INSURANCE3 | 6600 KOLL CENTER PARKWAY SUITE 100 PLEASANTON, CA 94566 | BLUE SHIELD OF CALIFORNIA | $36K | — | $36K | 5.77% |
| CHRISTOPHE A HAMMETT3 | RBG SAN JOSE 6155 ALMADEN EXPWY 210 SAN JOSE, CA 95120 | BLUE SHIELD OF CALIFORNIA | $15K | — | $15K | 2.39% |
| GRANITE PROFESSIONAL INSURANCE3 | BROKERAGE INC. 360 LINDBERGH AVE LIVERMORE, CA 945519511 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 4.84% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC (GA) | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.43% |
| GRANITE PROFESSIONAL INSURANCE3 | BROKERS INC 6600 KOLL CENTER PKWY #100 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $6K | — | $6K | 4.26% |
| GRANITE PROFESSIONAL INSURANCE3 | BROKERAGE 360 LINDBERGH AVE LIVERMORE, CA 945519511 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.76% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA | 99 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $124K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $124K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 99 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.