| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $82K | — | $82K | 4.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN INSURANCE ADMIN INC | 721 S PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $33K | $33K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 741259 LOS ANGELES, CA 90074 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD AND BROWN BENEFIT ADMIN INC | 721 S PARKER STREET STE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | PO BOX 664173 DALLAS, TX 75266 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 POLARIS WAY STE 300 ALISO VIEJO, CA 92656 | KAISER FOUNDATION HEALTH PLAN, INC | $13K | — | $13K | 5.51% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC | $4K | — | $4K | 1.82% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC | -$592 | — | -$592 | -0.25% |
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 | 195 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 274 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $244K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $244K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $244K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $244K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 274 | $2.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 375 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
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.