| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | 2401 EAST KATELLA AVENUE, SUITE 550 ANAHEIM, CA 92806 | KAISER FOUNDATION HEALTH PLAN INC | $130K | $0 | $130K | 3.77% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 0.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CALIFORNIA, INC. | 2401 EAST KATELIA AVENUE, SUITE 550 ANAHEIM, CA 92806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 1.51% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $342 | $0 | $342 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | 2401 EAST KATELLA AVENUE, SUITE 550 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $6K | $29K | 20.76% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CALIFORNIA, INC. | 2401 EAST KATELLA AVENUE, SUITE 550 ANAHEIM, CA 92806 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.10% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $404 | $0 | $404 | 0.88% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $388 | $0 | $388 | 0.85% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE AGENCY, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CALFORNIA DENTAL NETWORK, INC. | $1K | $0 | $1K | 10.00% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 749 | $3.4M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 492 | $399K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 651 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $139K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 749 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.