| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, 12TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC | $35K | — | $35K | 5.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 45 FREMONT, SUITE 800 SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $792 | $792 | 1.83% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203588 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 11.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | EYEMED | $1K | — | $1K | 9.24% |
| TAWNY M BRADY3 Filed as: TAWNY BRADY | 1508 WAKEHURST COURT BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE COMPANY | $192 | — | $192 | 5.19% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CALIFORNIA INS. SVCS. INC. | 8500 STOCKDALE HIGHWAY SUITE 200 BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE COMPANY | $165 | — | $165 | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AMERICAN FIDELITY ASSURANCE COMPANY | $83 | — | $83 | 2.24% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 1854 EAST FIR AVENUE, SUITE 101 FRESNO, CA 93720 | AMERICAN FIDELITY ASSURANCE COMPANY | $66 | — | $66 | 1.78% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA SOLUTIONS, INC. | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | AMERICAN FIDELITY ASSURANCE COMPANY | $39 | — | $39 | 1.05% |
| TRACEY A. KEISER-FRAZIER3 Filed as: TRACEY A. KEISER FRAZIER | 8181 EAST KAISER BOULEVARD ANAHEIM HILLS, CA 92808 | AMERICAN FIDELITY ASSURANCE COMPANY | $17 | — | $17 | 0.46% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 114 | $654K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $43K |
| Vision | EYEMED | 122 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $36K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $36K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 114 | $654K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.