| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUHAMMAD ALI3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | KAISER FOUNDATION HEALTH PLAN, INC. | $53K | — | $53K | 5.16% |
| SYNC BENEFITS INSURANCE SERVICES3 | INC 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 5.47% |
| MUHAMMAD ALI3 | TYCHO INSURANCE SERVICES 2261 MARKET ST STE 22205 SAN FRANCISCO, CA 941141612 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.99% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.99% |
| MUHAMMAD ALI3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.94% |
| MUHAMMAD ALI3 | 2261 MARKET ST STE 22205 SAN FRANCISCO, CA 941141600 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.14% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $162 | — | $162 | 5.35% |
| MUHAMMAD ALI4 Filed as: MUHAMMAD ALI DBA TYCHO INSURANCE | SERVICES 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | — | $79 | 2.61% |
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 | 173 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 126 | $1.6M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $165K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $165K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $36K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $36K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.