| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN C BJORK3 | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 600624138 | KAISER FOUNDATION HEALTH PLAN INC. | $63K | — | $63K | 4.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 100144504 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 0.85% |
| SEAN C BJORK3 Filed as: SEAN BJORK | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 600624138 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 8.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 100144504 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $352 | $352 | 0.07% |
| THE BJORK GROUP INC3 Filed as: THE BJORK GROUP, INC. | 1033 SOKIE BLVD SUITE 210 NORTHBROOK, IL 60062 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $7K | — | $7K | 5.43% |
| SEAN C BJORK3 | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 60062 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 8.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.44% |
| THE BJORK GROUP INC3 Filed as: BJORK GROUP INC. | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 60062 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 3.90% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S SUITE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.41% |
| SEAN C BJORK3 Filed as: SEAN BJORK | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 600624138 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| SEAN C BJORK3 Filed as: SEAN BJORK | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 600624138 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.52% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S SUITE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $2K | 3.15% |
| SEAN C BJORK3 | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 60062 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $315 | — | $315 | 1.52% |
| SEAN C BJORK3 Filed as: SEAN BJORK | 1033 SKOKIE BLVD SUITE 210 NORTHBROOK, IL 600624138 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA COMPANY | $556 | — | $556 | 7.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 100144504 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA COMPANY | $34 | — | $34 | 0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA COMPANY | — | $4 | $4 | 0.06% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 527 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 842 | $498K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 842 | $491K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 584 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 842 | $491K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 842 | $491K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 323 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 545 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.