| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN INC | $185K | $0 | $185K | 5.15% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STE 200 IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 0.56% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | $0 | $33K | 7.94% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | VISION SERVICE PLAN | $6K | $0 | $6K | 10.00% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $2K | $6K | 15.00% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 5.11% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $1K | $6K | 20.00% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 7.00% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $649 | $325 | $974 | 14.16% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $310 | $310 | 4.51% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $979 | $327 | $1K | 20.02% |
| FBP INSURANCE SERVICES3 | 2000 CROW CANYON PL SUITE 220 SAN RAMON, CA 94583 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $417 | $417 | 6.39% |
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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 670 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 479 | $414K |
| Vision | VISION SERVICE PLAN | 320 | $61K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $41K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 670 | $3.6M |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.