| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.55% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.89% |
| ART HAUSER INSURANCE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 14.06% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $7K | $15K | 4.32% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 4.07% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.37% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.61% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.88% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | HUMANADENTAL INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| HAUSER INC3 Filed as: HAUSER ART INSURANCE INC | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | HUMANADENTAL INSURANCE COMPANY | $630 | — | $630 | 0.71% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.45% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 5.95% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.48% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $951 | $1K | $2K | 5.95% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 6.81% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $483 | $483 | 1.74% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVENUE SUITE 440 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $337 | $1K | 8.02% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.33% |
| MATRIX INSURANCE AGENCY3 Filed as: MATRIX GROUP INSURANCE AGENCY | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 1.12% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | HUMANA INSURANCE COMPANY | $874 | — | $874 | 5.53% |
| HAUSER INC3 Filed as: HAUSER ART INSURANCE INC | 8260 NORTHCREEK DRIVE SUITE 200 CINCINNATI, OH 45236 | HUMANA INSURANCE COMPANY | $527 | — | $527 | 3.34% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | — | $1K | 6.81% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.50% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $457 | $438 | $895 | 6.85% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD #9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | — | $422 | 7.99% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVENUE SUITE 440 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $227 | $90 | $317 | 6.00% |
| MATRIX INSURANCE AGENCY3 Filed as: MATRIX GROUP INSURANCE AGENCY | 42840 CHRISTY STREET SUITE 107 FREMONT, CA 94538 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 0.78% |
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $548 | — | $548 | 16.50% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING | PO BOX 62949 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116 | $111 | $227 | 6.84% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $202 | — | $202 | 6.80% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $121 | — | $121 | 6.81% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $100 | — | $100 | 6.80% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF OHIO, INC. | $83 | — | $83 | 6.77% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $77 | — | $77 | 6.79% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $65 | — | $65 | 6.84% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $58 | — | $58 | 6.76% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $58 | — | $58 | 6.76% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $31 | — | $31 | 6.74% |
| ART HAUSER INSURANCE INC3 | 8260 NORTHCREEK DRIVE SUITE 20 CINCINNATI, OH 45236 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $21 | — | $21 | 6.86% |
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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 182 | $1.1M |
| Dental(14 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $500K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 227 | $39K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $38K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $68K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $356K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.