| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W BROKERS, LLC3 Filed as: W BROKERS LLC | 3550 CAHUENGA BOULEVARD WEST LOS ANGELES, CA 90068 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | $0 | $46K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 2055 GATEWAY PLACE, SUITE 430 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN, INC. | $38K | $0 | $38K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERVICES | 801 SOUTH FIGEROUA STREET SUITE 800 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | $0 | $28K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | $0 | $18K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 3.45% |
| W BROKERS, LLC3 Filed as: W BROKERS LLC | 21140 AVALON BOULEVARD CARSON, CA 90745 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 4250 EXECUTIVE SQUARE, SUITE 900 LA JOLLA, CA 92037 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $802 | $45K | 9.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 2.97% |
| UNKNOWN3 | UNKNOWN WEST LOS ANGELES, CA 90068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $661 | $661 | 0.15% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 362 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 560 | $453K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 560 | $453K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 560 | $453K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 560 | $453K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 362 | $3.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 560 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.