| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STE 200 SANTA CRUZ, CA 950622033 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 208546805 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | NA NA NA, CA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.53% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 9035 SOQUEL AVE. STE 200 SANTA CRUZ, CA 950622033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.73% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STE 200 SANTA CRUZ, CA 950622033 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, CA 208546805 | KAISER FOUNDATION HEALTH PLAN INC | $339 | $0 | $339 | 0.36% |
| PROGRESSIVE BENEFIT GROUP3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON - HUNT VALLEY, | 12505 PARK POTOMAC AVE BLDG E FLOOR 2 STE 225 POTOMAC, MD 20854 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $462 | $0 | $462 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 606731297 | EYEMED | $276 | $0 | $276 | 1.21% |
| HASSAN FINANCIAL FREEDOM LLC4 | 850 E OCEAN BLVD UNIT 908 LONG BEACH, CA 90802 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $672 | $0 | $672 | 16.14% |
| MICHELLE A BABITZ4 | 28505 TAOS CT CATHEDRAL CITY, CA 92234 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | $0 | $41 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $7K |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 320 | $748K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 335 | $81K |
| Vision | EYEMED | 247 | $23K |
| Prescription drug | ESPYR | 320 | $5K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 19 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.