| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROSPERO BENF. GROUP AND INS. SVCS.3 Filed as: PROSPERO BENEFITS & INS SVCS, INC. | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $43K | $0 | $43K | 4.91% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 Filed as: PROSPERO BENEFITS & INS SVCS, INC. | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $6K | $24K | 11.70% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 215 | $884K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 266 | $204K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 266 | $204K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 266 | $204K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 215 | $884K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 266 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.