| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BROKERS3 Filed as: PINNACLE INSURANCE BROKERS, INC. | 1330 N. BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $96K | — | $96K | 4.18% |
| PINNACLE BROKERS3 Filed as: PINNACLE INSURANCE BROKERS, INC. | 1330 N. BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $3K | $1K | $5K | 2.67% |
| PINNACLE BROKERS3 Filed as: PINNACLE INSURANCE BROKERS, INC. | 1330 N. BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 6.95% |
| PINNACLE BROKERS3 Filed as: PINNACLE INSURANCE BROKERS, INC. | 1330 N. BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $4K | $698 | $5K | 11.69% |
| PINNACLE BROKERS3 Filed as: PINNACLE INSURANCE BROKERS, INC. | 1330 N. BROADWAY, SUITE 204 WLANUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $158 | $228 | $386 | 3.38% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 368 | $2.3M |
| Dental | STANDARD INSURANCE COMPANY | 144 | $172K |
| Vision | STANDARD INSURANCE COMPANY | 144 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 149 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 149 | $40K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 368 | $2.3M |
| Other | STANDARD INSURANCE COMPANY | 149 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.