| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAPERLESS BENEFIT SOLUTIONS INS SER3 | 171 E THOUSAND OAKS BLVD STE 208 THOUSAND OAKS, CA 91360 | KAISER FOUNDATION HEALTH PLAN INC. | $80K | $0 | $80K | 3.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 0.31% |
| PAPERLESS BENEFIT SOLUTIONS INS SER3 | 171 E THOUSAND OAKS BLVD STE 208 THOUSAND OAKS, CA 91360 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 3.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 0.60% |
| PAPERLESS BENEFIT SOLUTIONS INS SER3 | 171 E THOUSAND OAKS BLVD STE 208 THOUSAND OAKS, CA 91360 | GUARDIAN | $11K | $0 | $11K | 3.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR BLVD STE 900 IRVINE, CA 92612 | GUARDIAN | $3K | $1K | $4K | 1.21% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 355 | $2.6M |
| Dental | GUARDIAN | 345 | $313K |
| Vision | GUARDIAN | 345 | $313K |
| Life insurance | GUARDIAN | 345 | $313K |
| Long-term disability | GUARDIAN | 345 | $313K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 355 | $2.6M |
| Other | GUARDIAN | 345 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.