| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR. STE 26 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.97% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.22% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.55% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.53% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET #380-7361 SAN FRANCISCO, CA 94115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.05% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 N GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC | $406 | — | $406 | 4.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $113 | — | $113 | 1.24% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 19 | $98K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $156K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $156K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $156K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $76K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 19 | $98K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.