| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD ALLMAN, INC.3 Filed as: J D ALLMAN, INC. | 2600 CAPITOL AVENUE, SUITE 340 SACRAMENTO, CA 95816 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $0 | $31K | 2.12% |
| HRTOGO3 Filed as: HRTOGO, LLC | 2600 CAPITOL AVENUE, SUITE 340 SACRAMENTO, CA 95816 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $0 | $30K | 2.08% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 0.81% |
| HRTOGO3 Filed as: HRTOGO, LLC | 2600 CAPITOL AVENUE, SUITE 340 SACRAMENTO, CA 95816 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.84% |
| JD ALLMAN, INC.3 Filed as: J D ALLMAN, INC. | 1730 I STREET, SUITE 340 SACRAMENTO, CA 95811 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $364 | $2K | 1.72% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $728 | $0 | $728 | 0.72% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $102K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $102K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $102K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.