| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN, INC. | $94K | — | $94K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN, INC. | $53K | — | $53K | 1.68% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | BLUE CROSS OF CALIFORNIA | $61K | — | $61K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $30K | — | $30K | 1.68% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 2.09% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.29% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $636 | — | $636 | 1.68% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | DELTA DENTAL OF CALIFORNIA | $272 | — | $272 | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $223 | — | $223 | 2.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $976 | — | $976 | 11.71% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | TRANSAMERICA LIFE INSURANCE COMPANY | $716 | — | $716 | 8.59% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 324 | $4.9M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 158 | $236K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $38K |
| Life insurance(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 255 | $198K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 255 | $190K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 324 | $4.9M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 255 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.