| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROSPERO BENF. GROUP AND INS. SVCS.3 | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $44K | $0 | $44K | 3.75% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $14K | $0 | $14K | 5.00% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 5.45% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $6K | $0 | $6K | 5.00% |
| PROSPERO BENF. GROUP AND INS. SVCS.3 | 925 HIGHLAND POINTE DRIVE SUITE 190 ROSEVILLE, CA 95678 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.48% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.30% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $88K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $88K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 241 | $219K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 241 | $219K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.6M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 241 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
No prospect flags tripped on this filing.