| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | KAISER FOUNDATION HEALTHPLAN INC | $5K | $0 | $5K | 3.03% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIR STE 180 LARKSPUR, CA 94939 | KAISER FOUNDATION HEALTHPLAN INC | $193 | $0 | $193 | 0.12% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR STE1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTHPLAN INC | $0 | $73 | $73 | 0.04% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTHPLAN INC | 14 | $163K |
| Dental | CIGNA HEALTHCARE | 305 | $13K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTHCARE | 360 | $588K |
| Other(3 contracts, 3 carriers) | CIGNA BEHAVIORAL HEALTH | 359 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.