| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLPOINT INSURANCE SERVICES3 | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 941072801 | KAISER FOUNDATION HEALTH PLAN INC. | $183K | $67 | $183K | 5.37% |
| WENTIF78, INC. DBA ALLPOINTE INS3 Filed as: WENTIF78 INC D/B/A ALL POINT INS | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $98K | — | $98K | 4.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $71K | $71K | 3.60% |
| WENTIF78, INC. DBA ALLPOINTE INS3 Filed as: WENTIF78 INC | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| WENTIF78, INC. DBA ALLPOINTE INS3 Filed as: WENTIF78 INC | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| WENTIF78, INC. DBA ALLPOINTE INS3 Filed as: WENTIF78 INC | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.52% |
| WENTIF78, INC. DBA ALLPOINTE INS3 Filed as: WENTIF78 INC | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| DHW INSURANCE BROKERS3 | 1211 NEWELL AVENUE WALNUT CREEK, CA 94596 | FEDERAL 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 | 2,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 338 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 909 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,179 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,179 | $2.0M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,273 | $550K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,273 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,273 | $156K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,273 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,273 | — |
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.