| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | — | $46K | 4.92% |
| SYNC BENEFITS INSURANCE SERVICES3 | INC 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 4.92% |
| MUHAMMAD ALI3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 7.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 911890005 | METROPOLITAN LIFE INSURANCE COMPANY | — | $218 | $218 | 0.12% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $972 | — | $972 | 22.48% |
| TYCHO INSURANCE SERVICES4 | STE A200 3080 OLCOTT ST SANTA CLARA, CA 95054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $112 | — | $112 | 2.59% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | — |
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 | 150 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 143 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $180K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $180K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $180K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $180K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $180K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 359 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.