| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SRVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | BLUE CROSS OF CALIFORNIA | $117K | — | $117K | 3.89% |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $53K | $53K | 1.77% |
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | — | $29K | 4.93% |
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENO PARK, CA 94025 | DELTA DENTAL OF CALIFORNIA | $19K | — | $19K | 5.00% |
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | VISION SERVICE PLAN | $2K | — | $2K | 3.78% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 230 | $3.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 297 | $372K |
| Vision | VISION SERVICE PLAN | 296 | $49K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 230 | $3.0M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 230 | $3.0M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 230 | $3.0M |
| Other | BLUE CROSS OF CALIFORNIA | 230 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.