| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE BROKERS,INC | 44 2ND STREET SAN FRANCISCO, CA 941053440 | KAISER FOUNDATION HEALTH PLAN INC | $38K | $0 | $38K | 5.39% |
| SWEET & BAKER INS. BROKERS, INC.3 | 44 2ND STREET SAN FRANCISCO, CA 94105 | HEALTH NET | $34K | $0 | $34K | 4.87% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE | 44 2ND STREET SAN FRANCISCO, CA 94105 | DELTA DENTAL OF CALIFORNIA | $2K | $0 | $2K | 2.00% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE BROKERS,INC | 44 2ND STREET SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE BROKERS,INC | 44 2ND STREET SAN FRANCISCO, CA 94105 | VISION SERVICE PLAN | $974 | $0 | $974 | 5.98% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE BROKERS,INC | 44 2ND STREET SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $967 | $0 | $967 | 10.00% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET & BAKER INSURANCE BROKERS,INC | 44 2ND STREET SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $856 | $0 | $856 | 10.00% |
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 | 123 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 90 | $1.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 205 | $121K |
| Vision | VISION SERVICE PLAN | 136 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $31K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 90 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.