| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALSH CARTER AND ASSOC. INS. SVCS.3 | 423 WASHINGTON STREET, SUITE 500 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $38K | $0 | $38K | 3.38% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 0.60% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 | 423 WASHINGTON STREET, SUITE 500 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $42 | $17K | 9.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 4.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $649 | $137 | $786 | 0.44% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 | 423 WASHINGTON STREET, 5TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 42.69% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | HARTFORD LIFE AND ACCIDENT | $115 | $0 | $115 | 2.26% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 154 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $179K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $179K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $5K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 154 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.