| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 945393869 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 5.00% |
| STELLA CHANG3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $1K | $36K | 11.57% |
| AMWINS3 Filed as: LISI LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 4.23% |
| AMWINS3 Filed as: LISI LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $485 | $485 | 0.16% |
| CHANG, STELLA3 | 41385 DANZON COURT FREMONT, CA 94539 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $15K | $1K | $17K | 10.72% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 1600 W HILLSDALE BLVD, SUITE #201 SAN MATEO, CA 94402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $6K | $6K | 3.74% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $746 | $746 | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $629 | — | $629 | 9.99% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $315 | $315 | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590 | — | $590 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $295 | $295 | 5.00% |
| CHANG, STELLA3 | 41385 DANZON COURT FREMONT, CA 94539 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 182.07% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94403 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $626 | $626 | 22.95% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 122 | $158K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 122 | $158K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $15K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.