| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 945393869 | KAISER FOUNDATION HEALTH PLAN, INC. | $49K | — | $49K | 4.17% |
| STELLA CHANG3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 10.76% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 2.84% |
| CHANG, STELLA3 | 41385 DANZON CT FREMONT, CA 94539 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $21K | — | $21K | 9.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2677 N. MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $9K | $9K | 4.45% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $425 | $1K | $2K | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | $723 | $951 | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $788 | — | $788 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | $299 | $394 | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $752 | — | $752 | 9.99% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90 | $286 | $376 | 5.00% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 108 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 128 | $211K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 128 | $211K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.