| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC | $79K | — | $79K | 2.96% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | KAISER FOUNDATION HEALTH PLAN INC | $65K | — | $65K | 2.44% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | STANDARD INSURANCE COMPANY | — | $40K | $40K | 3.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | BANC ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 3.57% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 2.86% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 1.54% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | STANDARD INSURANCE COMPANY | — | $25K | $25K | 4.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | BANK ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 3.58% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 900 NORTH SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.86% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 900 NORTH SHORLINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 1.46% |
| KARL ERIK HANSEN3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 25.92% |
| BAY AREA DISABILITY INS SVCS INC3 | 4302 REDWOOD HWY STE 400 SAN RAFAEL, CA 94903 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.14% |
| JASON ALAN HILL3 | 345 CALIFORNIA ST SUITE 2000 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $170 | — | $170 | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 525 MARKET STREET SUITE 3400 SAN FRANCISCO, CA 94105 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 550 | $2.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,129 | $1.1M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 2,129 | $601K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,272 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,272 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.