| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVENSURE INSURANCE BROKERS, INC.3 | 300 SPECTRUM CENTER DRIVE IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $169K | — | $169K | 4.39% |
| INVENSURE INSURANCE BROKERS, INC.3 | 300 SPECTRUM CENTER DRIVE IRVINE, CA 92618 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.90% |
| INVENSURE INSURANCE BROKERS, INC.3 | 300 SPECTRUM CENTER DRIVE IRVINE, CA 92618 | CALIFORNIA DENTAL NETWORK, INC. | $4K | — | $4K | 10.00% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $126 | $4K | 9.60% |
| INVENSURE INSURANCE BROKERS, INC.3 | 300 SPECTRUM CENTER DRIVE IRVINE, CA 92618 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.80% |
| INVENSURE INSURANCE BROKERS, INC.3 | 300 SPECTRUM CENTER DRIVE IRVINE, CA 92618 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.94% |
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 | 456 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 438 | $3.8M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 214 | $210K |
| Vision | STANDARD INSURANCE COMPANY | 262 | $28K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 456 | $72K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $38K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 438 | $3.8M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 456 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.