| 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 | $174K | $3 | $174K | 5.09% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | BANC ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $126K | — | $126K | 8.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $17K | $17K | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | BANK ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $84K | — | $84K | 10.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 525 MARKET STREET SUITE 3400 SAN FRANCISCO, CA 94105 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| KARL ERIK HANSEN3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.72% |
| BAY AREA DISABILITY INS SVCS INC3 | 4302 REDWOOD HWY STE 400 SAN RAFAEL, CA 94903 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| JASON ALAN HILL3 | 345 CALIFORNIA ST SUITE 2000 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $499 | — | $499 | 4.23% |
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 | 3,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 763 | $3.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,949 | $1.4M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 2,949 | $821K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 763 | $3.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,088 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,088 | — |
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.