| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER CONCEPTS INS. SERVICES3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | KAISER FOUNDATION HEALTH PLAN INC. | $91K | — | $91K | 4.66% |
| EMPLOYER CONCEPTS INS. SERVICES3 | 2505 EASTVIEW DRIVE CASTLE ROCK, CO 80104 | KAISER FOUNDATION HEALTH PLAN INC. | $94K | — | $94K | 4.86% |
| EMPLOYER CONCEPTS INS. SERVICES3 | 18022 COWAN, SUITE 225 IRVINE, CA 92623 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $22K | — | $22K | 7.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 703 PALOMAR AIRPORT RD., SUITE 330 CARLSBAD, CA 92011 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $9K | — | $9K | 2.91% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | AMERITAS LIFE INSURANCE CORP. | $18K | — | $18K | 10.00% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | AMERITAS LIFE INSURANCE CORP. | $16K | — | $16K | 10.00% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $18K | $50K | 47.61% |
| EMPLOYER CONCEPTS INS. SERVICES3 | P.O. BOX 15750 IRVINE, CA 92623 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| EMPLOYER CONCEPTS INS. SERVICES3 Filed as: EMPLOYER CONCEPTS INS. SERVICES. | P.O. BOX 15750 IRVINE, CA 92623 | VISION SERVICE PLAN (HEALTHSMART) | $527 | $180 | $707 | 10.77% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 473 | $4.2M |
| Dental(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 260 | $696K |
| Vision(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 260 | $664K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $106K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $106K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 473 | $4.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.