No brokers reported on this filing.
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 | 13,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 976 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. NORTHERN CALIFORNIA | 1,838 | $13.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,846 | $346K |
| Vision | EYEMED VISION CARE | 27,535 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,872 | $14.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,562 | $5.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF HAWAII | 9 | $57K |
| Other(7 contracts, 6 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 14,521 | $15.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,535 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.