| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | — | $10K | $10K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | — | $2K | $2K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $1.2M |
| DELTA DENTAL PLAN OF CALIFORNIA EIN 94-1461312 NONE | Claims processing Service code 12 | — | $296K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $256K |
| WORKTERRA NONE | Other services Service code 49 | 5934 GIBRALTAR DRIVE, SUITE 206 PLEASANTON, CA 94588 | $214K |
| MAXIM HEALTH EIN 52-1590951 NONE | Other services Service code 49 | — | $78K |
| BURR PILGER MAYER EIN 81-4234542 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| RENGER COMMUNICATIONS EIN 27-0290605 NONE | Other services Service code 49 | — | $24K |
| LOREN MYERS & ASSOCIATES EIN 95-3879885 NONE | Other services Service code 49 | — | $14K |
| REFORM FITNESS NONE | Other services Service code 49 | 6635 ALHAMBRA AVE. MARTINEZ, CA 94553 | $8K |
| HMS, INC. EIN 23-2366870 NONE | Claims processing Service code 12 | — | $5K |
| 24 HOUR FITNESS CORP. EIN 94-2899899 NONE | Other services Service code 49 | — | $5K |
| EXPRESS SCRIPTS, INC EIN 16-1279199 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $0 |
| INGENIORX, INC. EIN 82-3062245 NONE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $0 |
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 | 3,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,266 | $18.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $20K |
| Vision | VISION SERVICE PLAN | 2,768 | $524K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,269 | $1.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,246 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,246 | $1.2M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,711 | $18.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,566 | $1.7M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,359 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,359 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.