| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD DAYTONA BEACH, FL 32117 | CALIFORNIA PHYSICIANS SERVICE | — | $59K | $59K | 4.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 701 S PARKER STREET WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS SERVICE | — | $24K | $24K | 1.96% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 5.42% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | GUARDIAN | $22K | $4K | $26K | 15.93% |
| MASOLI LEGACY LLC3 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $785 | — | $785 | 12.63% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $367 | — | $367 | 5.91% |
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 | 217 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.6M |
| Dental | GUARDIAN | 217 | $163K |
| Vision | GUARDIAN | 217 | $163K |
| Life insurance | GUARDIAN | 217 | $163K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 217 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.