| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 404 SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $290K | $22K | $312K | 5.38% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 404 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN, INC. | $33K | $0 | $33K | 4.62% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 2.31% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 404 SAN MATEO, CA 94402 | DELTA DENTAL OF CALIFORNIA | $24K | $0 | $24K | 5.00% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 404 SAN MATEO, CA 94402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.50% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.71% |
| LAURA AFOA INSURANCE SERVICES, LLC4 Filed as: LAURA AFOA | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.38% |
| DAURENE LEE LLC4 Filed as: DAURENE LEE, LLC | 2505 ANTHEM VILLAGE DRIVE SUITE E 589 HENDERSON, NV 89052 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $248 | $0 | $248 | 1.59% |
| MASOLI LEGACY LLC4 Filed as: MASOLI LEGACY, LLC | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $215 | $0 | $215 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11933 NORTH CATAMARAN WAY STAR, ID 83669 | ACE AMERICAN INSURANCE COMPANY | $2K | $151 | $2K | 16.13% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $6.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 605 | $473K |
| Vision | VISION SERVICE PLAN | 263 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $261K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $261K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $6.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.