| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN INC | $105K | $0 | $105K | 4.91% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | BLUE CROSS OF CALIFORNIA | $67K | $0 | $67K | 4.57% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE INC | UNKNOWN SAN JOSE, CA 95113 | DELTA DENTAL OF CALIFORNIA | $9K | $0 | $9K | 5.00% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 20.00% |
| EXPERTQUOTE, INC.3 Filed as: EXPERTQUOTE | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.51% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVCS., INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.29% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | TRANSAMERICA LIFE INSURANCE COMPANY | $955 | $0 | $955 | 6.51% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 318 | $3.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 287 | $223K |
| Vision | BLUE CROSS OF CALIFORNIA | 191 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 191 | $1.5M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 191 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 318 | $3.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 246 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
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.