| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 2.15% |
| INTERNATIONAL PRONSURANCE SVCS. LLC3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | -$4K | $0 | -$4K | -0.37% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | CHOICE BUILDER | $3K | $0 | $3K | 5.42% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES | UNKNOWN SAN FRANCISCO, CA 94104 | CHOICE BUILDER | $2K | $0 | $2K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | CHOICE BUILDER | $879 | $0 | $879 | 1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $370 | $0 | $370 | 5.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $324 | $0 | $324 | 4.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS., INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $162 | $162 | 2.33% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 154 | $944K |
| Dental | CHOICE BUILDER | 110 | $56K |
| Vision | CHOICE BUILDER | 110 | $56K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 154 | $944K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.