| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 4.19% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 0.83% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $891 | $4K | 16.29% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 2.28% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $603 | $3K | 16.39% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $390 | — | $390 | 2.54% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.44% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | PRINCIPAL LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.05% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $364 | $2K | 15.97% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $260 | — | $260 | 2.41% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RAOD 434 LONGWOOD, FL 32750 | SAFEGUARD HEALTH PLANS, INC | $804 | $87 | $891 | 8.39% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | SAFEGUARD HEALTH PLANS, INC | $416 | — | $416 | 3.92% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $881 | $329 | $1K | 17.37% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $164 | — | $164 | 2.35% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $403 | $95 | $498 | 9.36% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | — | $212 | 3.98% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | $206 | $759 | 16.22% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $149 | — | $149 | 3.18% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RAOD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | $54 | $95 | 28.79% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | 900 N. MICHIGAN AVE., SUITE 1500 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 6.67% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 178 | $826K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 91 | $23K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $25K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 178 | $826K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.