| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITEDGE INSURANCE SERVICES3 Filed as: BENEFITEDGE INSURANCE SERVICES INC. | 18181 BUTTERFIELD BLVD., SUITE 115 MORGAN HILL, CA 95037 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 4.92% |
| BENEFITEDGE INSURANCE SERVICES3 Filed as: BENEFITEDGE INSURANCE SERVICES INC. | 18181 BUTTERFIELD BLVD., SUITE 115 MORGAN HILL, CA 95037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 8.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 3.27% |
| BENEFITEDGE INSURANCE SERVICES3 Filed as: BENEFITEDGE INSURANCE SERVICES INC. | 18181 BUTTERFIELD BLVD., SUITE 115 MORGAN HILL, CA 95037 | GUARDIAN | $10K | — | $10K | 7.01% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC. | 1550 W. COLORADO BLVD. PASADENA, CA 91105 | GUARDIAN | $199 | — | $199 | 0.14% |
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 | 100 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $616K |
| Dental | GUARDIAN | 97 | $142K |
| Vision | GUARDIAN | 97 | $142K |
| Life insurance | GUARDIAN | 97 | $142K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $356K |
| Other | GUARDIAN | 97 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.