| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON STRATEGIC FIN INS SVCS3 | 855 EL CAMINO REAL, SUITE 220 PALO ALTO, CA 94301 | KAISER FOUNDATION HEALTH PLAN INC | $47K | $0 | $47K | 4.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 0.94% |
| HENDERSON STRATEGIC FIN INS SVCS3 | 855 EL CAMINO REAL, BUILDING 4 SUITE 220 PALO ALTO, CA 94301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.36% |
| HENDERSON STRATEGIC FIN INS SVCS3 | 855 EL CAMINO REAL, BUILDING 4 SUITE 220 PALO ALTO, CA 94301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 12.81% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $992K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $211K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $211K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $78K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $78K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 174 | $992K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.