| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 945393869 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 3.66% |
| STELLA CHANG3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 10.50% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 3.84% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $741 | $741 | 0.20% |
| CHANG, STELLA3 | 41385 DANZON COURT FREMONT, CA 94539 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $16K | — | $16K | 9.94% |
| 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 | 3.47% |
| 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 | — | $2K | $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 | — | $810 | $810 | 5.00% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $681 | — | $681 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $341 | $341 | 5.01% |
| STELLA CHANG3 | 41385 DANZON CT FREMONT, CA 94539 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $320 | $320 | 4.99% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 119 | $165K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 119 | $165K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.