| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | $0 | $1K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA | 18100 VON KARMEN AVENUE SUITE 850 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $987 | $198 | $1K | 21.15% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $429 | $35 | $464 | 8.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CA | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MOUNT DIABLO BOULEVARD SUITE 100 LAFAYETTE, CO 94549 | CONCERN EAP | $139 | — | $139 | 2.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 SOUTH FIDDLERS GREEN CIRCLE SUITE 2000 GREENWOOD VILLAGE, CO 80111 | CONCERN EAP | $139 | $0 | $139 | 2.51% |
| RHONA S UNSELL INC4 Filed as: RHONA UNSELL INC | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $298 | — | $298 | 16.93% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MOUNT DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $72 | — | $72 | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA INC | 18100 VON KARMEN AVENUE SUITE 850 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $240 | $196 | $436 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | — |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | -$646 | $3 | -$643 | — |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $379K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $105K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $105K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $79K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $79K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $79K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $379K |
| Other(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 151 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.