| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 3200 VILLA LN NAPA, CA 94558 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 2.82% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | — | $30K | 2.67% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 3200 VILLA LN NAPA, CA 94558 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 3.31% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.60% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.35% |
| CASSAYRE, MATTHEW J3 | 3200 VILLA LN NAPA, CA 94558 | WESTERN HEALTH ADVANTAGE | $5K | — | $5K | 2.77% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | WESTERN HEALTH ADVANTAGE | $4K | — | $4K | 2.56% |
| VARIOUS - SEE ATTACHMENT3 | C/O CONTINENTAL AMERICAN INS CO PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 16.21% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $306 | — | $306 | 1.91% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $219 | — | $219 | 1.37% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DR SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.30% |
| SANDER JACOBS CASSAYRE & GR3 | 1322 W 560 S ST GEORGE, UT 84770 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $341 | — | $341 | 4.59% |
| RYAN C ELLISON3 | 1322 W 560 S ST GEORGE, UT 84770 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $200 | — | $200 | 2.69% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 187 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $297K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $297K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $297K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 60 | $42K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $297K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 187 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.