| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 2.55% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $424 | $18K | 1.83% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 3.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 2.31% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $107 | $3K | 1.84% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | $693 | — | $693 | 3.67% |
| GRUNSKY INSURANCE SERVICES INC3 Filed as: GRUNSKY INSURANCE SERVICES | 411 DEINHARD LANE MCCALL, IA 83638 | VISION SERVICE PLAN | $429 | — | $429 | 2.27% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $854 | $114 | $968 | 6.30% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $784 | — | $784 | 5.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $570 | — | $570 | 4.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | STANDARD INSURANCE COMPANY | $139 | — | $139 | 4.89% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | STANDARD INSURANCE COMPANY | $97 | — | $97 | 3.41% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 170 | $1.6M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 108 | $107K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 128 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $15K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 170 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.