| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | 1357A E. LASSEN AVENUE CHICO, CA 959737824 | KAISER FOUNDATION HEALTH PLAN, INC. | $75K | $145 | $75K | 4.04% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 945202146 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 1.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, FL 21 SAN FRANCISCO, CA 941058115 | KAISER FOUNDATION HEALTH PLAN, INC. | -$455 | — | -$455 | -0.02% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 5350 OLD REDWOOD HIGHWAY, #600 PETALUMA, CA 94954 | WESTERN HEALTH ADVANTAGE | $32K | — | $32K | 3.79% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $10K | — | $10K | 1.21% |
| INTERWEST INSURANCE SERVICES, LLC3 | P. O. BOX 8110 CHICO, CA 959278110 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $12 | $19K | 7.05% |
| NONTSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 945202146 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.74% |
| INTERWEST INSURANCE SERVICES, LLC3 | P. O. BOX 255188 SACRAMENTO, CA 958655188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.14% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | P. O. BOX 8110 CHICO, CA 959278110 | VISION SERVICE PLAN | $1K | — | $1K | 3.98% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMNISTRATION & INSURANCE | 2300 CLAYTON ROAD, #1450 CONCORD, CA 945202146 | VISION SERVICE PLAN | — | $143 | $143 | 0.42% |
| INTERWEST INSURANCE SERVICES, LLC3 | P. O. BOX 255188 SACRAMENTO, CA 958655188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.72% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $920 | — | $920 | 3.28% |
| INTERWEST INSURANCE SERVICES, LLC3 | P. O. BOX 255188 SACRAMENTO, CA 958655188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, #1450 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $415 | — | $415 | 1.88% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 303 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 731 | $269K |
| Vision | VISION SERVICE PLAN | 264 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $58K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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.