| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES LLC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | — | $80K | 15.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 N GAINEY CENTER DR. STE 26 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 5.00% |
| RIPPLING INSURANCE SERVICES INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.32% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 5.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.63% |
| RIPPLING INSURANCE SERVICES INC2 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC | $547 | $453 | $1K | 0.75% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | XP HEALTH | $373 | — | $373 | 1.35% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $312K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $533K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $561K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $533K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $533K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $533K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $312K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.