| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 45 FREMONT STREET SUITE 800 SAN FRANCISCO, CA 94105 | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | $45K | $0 | $45K | 7.28% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 600 HIGHWAY 169 SOUTH, 12TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN | $16K | $0 | $16K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 45 FREMONT SUITE 800 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 13.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 45 FREMONT STREET SUITE 800 SAN FRANCISCO, CA 94105 | ZURICH NORTH AMERCIA | $3K | $0 | $3K | 11.46% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $630 | $0 | $630 | 6.83% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 45 FREMONT STREET SUITE 800 SAN FRANCISCO, CA 94105 | VISION SERVICE PLAN | $81 | $0 | $81 | 0.88% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 45 FREMONT STREET 8TH FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $4K | $0 | $4K | 57.64% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 39000 SAN FRANCISCO, CA 94139 | BLUE CROSS OF CALIFORNIA | $0 | $635 | $635 | 9.91% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 45 FREMONT STREET 8TH FLOOR SAN FRANCISCO, CA 94105 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 57.67% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 39000 SAN FRANCISCO, CA 94139 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $339 | $339 | 9.91% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 45 FREMONT STREET 8TH FLOOR SAN FRANCISCO, CA 94105 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 57.61% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 39000 SAN FRANCISCO, CA 94139 | ANTHEM LIFE INSURANCE COMPANY | $0 | $296 | $296 | 9.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 201 MISSION STREET SUITE 100 SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $255 | $0 | $255 | 15.03% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 61 | $1.0M |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 33 | $615K |
| Vision | VISION SERVICE PLAN | 51 | $9K |
| Life insurance(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 85 | $684K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $68K |
| Long-term disability(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 85 | $683K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 48 | $380K |
| Other(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY (METLIFE) | 130 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.