| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANY INC | P.O. BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 3.38% |
| EGWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $4 | $11K | 0.63% |
| FILICE INSURANCE AGENCY3 | 738 N 1ST STREET SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN INC | $976 | — | $976 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 8.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE SUITE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.49% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1350 BAYSHORE HWY STE 218 BURLINGAME, CA 94010 | VISION SERVICE PLAN | $1K | — | $1K | 3.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $140 | — | $140 | 0.45% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE SUITE 370 GOLD RIVER, CA 95670 | THE LINCOLN LIFE INSURANCE COMPANY | $240 | — | $240 | 1.54% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | — | $331 | 8.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE SUITE 370 GOLD RIVER, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 1.67% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 294 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $209K |
| Vision | VISION SERVICE PLAN | 160 | $31K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 199 | $20K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 294 | $1.7M |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.