| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 E GALBRAITH RD STE 900 CINCINNATI, OH 452362383 | KAISER FOUNDATION HEALTH PLAN, INC. | $43K | — | $43K | 2.87% |
| NUA GROUP LLC3 | 4100 REDWOOD RD 20A-506 OAKLAND, CA 946192363 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 2.11% |
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $22K | $69K | 6.89% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 3.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.74% |
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 | 717 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 735 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 735 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.