| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS, LP | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 3.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.21% |
| WOOD GUTMANN & BOGART INSURANCE BRO3 | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.41% |
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS, LP | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 4.57% |
| WOOD GUTMANN & BOGART INSURANCE BRO3 | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | KAISER FOUNDATION HEALTH PLAN INC | $599 | — | $599 | 0.40% |
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS, LP | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $181 | $2K | 2.24% |
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS, LP | 15901 RED HILL AVENUE, SUITE 100 TUSTIN, CA 927807318 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $961 | — | $961 | 8.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $197 | $25 | $222 | 1.92% |
| SANDRA SIMS4 Filed as: SANDRA ALLEN | 501 AGUA PLACE SEAL BEACH, CA 90740 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $308 | — | $308 | 16.37% |
| JULIE HILTSLEY4 | 3702 LONGVIEW DRIVE CARLSBAD, CA 92010 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $36 | — | $36 | 1.91% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 126 | $668K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $98K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $87K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $87K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $87K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 126 | $668K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.