| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM T BUIE3 | 2455 E PARLEYS WAY SUITE 150 SALT LAKE CITY, UT 84109 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 1.78% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKERS (CA) | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.21% |
| BUIE INSURANCE SERVICES3 Filed as: BUIE INSURANCE SERVICES, LLC | 4525 SOUTH 2300 EAST #201 SALT LAKE CITY, UT 84117 | GUARDIAN | $33K | $0 | $33K | 5.42% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN | $30K | $0 | $30K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | GUARDIAN | $22K | $0 | $22K | 3.65% |
| ADAM T BUIE3 | 2455 E PARLEYS WAY SUITE 150 SALT LAKE CITY, UT 84109 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 1.54% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKERS (CA) | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 1.47% |
| ADAM T BUIE3 | 2455 E PARLEYS WAY #150 SALT LAKE CITY, UT 84109 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 1.94% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKERS (CA) | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $226K |
| BUIE INSURANCE SERVICES, LLC EIN 41-2167737 BROKER | Other commissions Service code 55 | — | $136K |
| MARK STEPHEN METTILLE ADMINISTRATOR | Contract Administrator Service code 13 | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | $30K |
| GIS BENEFITS, INC. ADMINISTRATOR | Contract Administrator Service code 13 | 422 WAUPONSEE ST MORRIS, IL 60450 | $22K |
| HEFFERNAN INSURANCE BROKERS BROKER | Other commissions Service code 55 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | $12K |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 71 | $980K |
| Dental | GUARDIAN | 553 | $603K |
| Vision | GUARDIAN | 553 | $603K |
| Life insurance | GUARDIAN | 553 | $603K |
| Short-term disability | GUARDIAN | 553 | $603K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 206 | $316K |
| Other | GUARDIAN | 553 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.