| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEX BEDROSIAN3 | 525 VETERANS BLVD STE 102 REDWOOD CITY, CA 94063 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.46% |
| BEDROSIAN, ALEXANDER STEFAN3 Filed as: BEDROSIAN ALEXANDER | 525 VETERANS BLVD #102 REDWOOD CITY, CA 94063 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.08% |
| TOSCANELLI, DOMINIC3 Filed as: TOSCANELLI DOMINIC | 3208 OCATVIA BLVD SAN FRANCISCO, CA 94123 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.08% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 50 W SAN FERNANDO ST STE 1350 SAN JOSE, CA 95113 | SUN LIFE ASSURANCE COMPANY OF CANADA | $556 | — | $556 | 0.41% |
| DOMINIC TOSCANELLI3 | 3208 OCATVIA ST SAN FRANCISCO, CA 94123 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.59% |
| ALEXANDER BEDROSIAN3 Filed as: ALEXANDER S BEDROSIAN | 525 BROADWAY #4040 SANTA MONICA, CA 90401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $521 | — | $521 | 2.87% |
| MELITA-MCDONALD INSURANCE SERVICES3 | PO BOX 610520 SAN JOSE, CA 95161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $396 | $76 | $472 | 2.60% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | — | $248 | 1.36% |
| ALEXANDER BEDROSIAN3 | 525 VETERANS BLVD STE 102 REDWOOD CITY, CA 94063 | VISION SERVICE PLAN | $413 | — | $413 | 2.49% |
| DOMINIC TOSCANELLI3 | 3208 OCTAVIA ST SAN FRANCISCO, CA 94123 | VISION SERVICE PLAN | $413 | — | $413 | 2.49% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 50 W SAN FERNANDO ST STE 1350 SAN JOSE, CA 95113 | VISION SERVICE PLAN | $205 | — | $205 | 1.24% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | VISION SERVICE PLAN | $140 | — | $140 | 0.84% |
| DOMINIC TOSCANELLI3 | 3208 OCTAVIA ST SAN FRANCISCO, CA 94123 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.59% |
| ALEXANDER BEDROSIAN3 Filed as: ALEXANDER S BEDROSIAN | 525 BROADWAY #4040 SANTA MONICA, CA 90401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $445 | — | $445 | 2.86% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INS SVCS INC | PO BOX 610520 SAN JOSE, CA 95161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $340 | $65 | $405 | 2.61% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $212 | — | $212 | 1.36% |
| DOMINIC TOSCANELLI3 | 3208 OCTAVIA ST SAN FRANCISCO, CA 94123 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $656 | — | $656 | 8.36% |
| ALEXANDER BEDROSIAN3 Filed as: ALEXANDER S BEDROSIAN | 525 BROADWAY #4040 SANTA MONICA, CA 90401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 2.79% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INS SVCS INC | PO BOX 610520 SAN JOSE, CA 95161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $167 | $32 | $199 | 2.54% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $135 | — | $135 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 TPA | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $29K |
| DOMINIC TOSCANELLI BROKER | Insurance agents and brokers Service code 22 | 3208 OCTAVIA ST SAN FRANCISCO, CA 94123 | $7K |
| ALEX BEDROSIAN BROKER | Insurance agents and brokers Service code 22 | 525 VETERANS BLVD #102 REDWOOD CITY, CA 94063 | $0 |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 87 | $301K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $136K |
| Vision | VISION SERVICE PLAN | 130 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $18K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 87 | $301K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.