| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 196 S FIR ST VENTURA, CA 930012842 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | — | $46K | 3.98% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 5.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 25.41% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $765 | $4K | 18.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $933 | — | $933 | 5.86% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | — | $658 | 4.13% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $260 | $1K | 16.88% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $464 | — | $464 | 10.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $273 | — | $273 | 6.16% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $171 | — | $171 | 3.86% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 7.78% |
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 | 145 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 140 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $97K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 113 | $4K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 104 | $81K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 140 | $1.2M |
| Other(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 104 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.