| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | KAISER FOUNDATION HEALTH PLAN INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CFAO EIN 94-1557079 SALARIED ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $5.9M |
| BLUE CROSS OF CALIFORNIA EIN 95-3760980 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.0M |
| DELTA DENTAL EIN 94-1461312 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.4M |
| HST TECHNOLOGY NONE | Direct payment from the plan; Claims processing Service code 12 | 23382 MILL CREEK DR. STE 200 LAGUNA HILLS, CA 92653 | $789K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $663K |
| POST ADVISORY GROUP EIN 95-4818300 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $541K |
| ROTHSCHILD ASSET MANAGEMENT EIN 13-2544634 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $310K |
| FISHER INVESTMENTS EIN 20-2480800 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $298K |
| SEGAL COMPANY EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $223K |
| MCMORGAN & CO EIN 52-2334338 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $200K |
| KRAW LAW GROUP EIN 77-0171216 NONE | Legal; Direct payment from the plan Service code 29 | — | $167K |
| FOUNDRY PARTNERS LLC EIN 46-1184506 NONE | Securities brokerage commissions and fees; Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $142K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $123K |
| WEINBERG, ROGER AND ROSENFELD EIN 94-2458080 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| BANK OF NEW YORK MELLON EIN 95-3571558 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $71K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $39K |
| VAVRINEK, TRINE, DAY & CO., LLP EIN 95-2648289 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 315 MONTGOMERY ST 904 SAN FRANCISCO, CA 94104 | $29K |
| RANDY JENCO TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 265 HEGENBERGER ROAD, SUITE 100 OAKLAND, CA 94621 | $16K |
| TIMOTHY LIPSCOMB TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 265 HEGENBERGER ROAD, SUITE 100 OAKLAND, CA 94621 | $9K |
| FRANK CRIM TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 265 HEGENBERGER ROAD, SUITE 100 OAKLAND, CA 94621 | $8K |
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 | 24,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,334 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 4,305 | $2.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 56,569 | $792K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 56,569 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,569 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.