| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | $1 | $10K | 2.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COAST BLVD STE 600 PLEASANT, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.50% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 6.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COAST BLVD STE 600 PLEASANT, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $32 | $14K | 4.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC. | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $32 | $8K | 2.44% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | 2443 FILLMORE ST #380-7361 SAN FRANCISCO, CA 94115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.71% |
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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 80 | $368K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 80 | $368K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.