| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY KISTLER3 | 4924 CANTERWOOD DR NW GIG HARBOR, WA 98332 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $20K | — | $20K | 4.60% |
| CHIMIENTI & ASSOCIATES3 | 3400 W MINERAL KING AVE STE B VISALIA, CA 93291 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.32% |
| JERRY M PEREZ III3 | 12095 PHEASANT RUN BLVD CHOWCHILLA, CA 93610 | TRANSAMERICA LIFE INSURANCE COMPANY | $84 | — | $84 | 0.22% |
| MICHAEL ENZENBACHER3 | 975 KELLY JOHNSON DR SUITE 100 LAS VEGAS, NV 89119 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.20% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 66 | $438K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 215 | $49K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 106 | $38K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 230 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.