| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN, INC. | $60K | $0 | $60K | 2.15% |
| ANDREW MCNEIL3 | PO BOX 750004 PETALUMA, CA 94975 | WESTERN HEALTH ADVANTAGE | $27K | $0 | $27K | 4.88% |
| ARROW BENEFITS GROUP3 Filed as: ARROW BENEFITS | PO BOX 750004 PETALUMA, CA 94975 | SUTTER HEALTH PLAN | $16K | $0 | $16K | 3.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 9.16% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLULTIONS, INC. | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS., LLC | PO BOX 750004 PETALUMA, CA 94975 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.04% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 323 | $3.9M |
| Vision | VISION SERVICE PLAN | 281 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $103K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 323 | $3.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.