| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND | FINANCIAL SERVICES 12404 PARK CENTRAL DR DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.51% |
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | KAISER PERMANENTE INSURANCE COMPANY | $989 | $0 | $989 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | KAISER PERMANENTE INSURANCE COMPANY | $261 | $0 | $261 | 0.72% |
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | VISION SERVICE PLAN | $4K | $0 | $4K | 16.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $454 | $0 | $454 | 1.63% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $287 | $0 | $287 | 1.03% |
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $613 | $82 | $695 | 3.25% |
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.91% |
| PAUL BEVER3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $596 | $0 | $596 | 10.71% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE INSURANCE COMPANY | 2 | $36K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $185K |
| Vision | VISION SERVICE PLAN | 148 | $28K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $207K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $185K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $185K |
| Prescription drug | KAISER PERMANENTE INSURANCE COMPANY | 2 | $36K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.