| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | KAISER FOUNDATION HEALTH PLAN INC | $43K | — | $43K | 4.55% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 5.48% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 2.19% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | LLC 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| EVCO INSURANCE SERVICES INC3 | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | AMERITAS LIFE INSURANCE CORP. | $12K | $302 | $12K | 10.25% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | INC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 3.00% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $10K | 17.38% |
| AMWINS3 Filed as: LISI LLC D/B/A AMWINS CONNECT | INSURANCE SERVICES LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.21% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $460 | $6K | 44.28% |
| AMWINS3 Filed as: LISI LLC D/B/A AMWINS CONNECT | INSURANCE SERVICES LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.15% |
| EVCO INSURANCE SERVICES INC4 Filed as: EVCO INSURANCE SERVICES | SUITE 2100 1212 BROADWAY PLAZA WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $950 | — | $950 | 24.35% |
| ROBERT WILLIAMS4 | 16012 VIA ARROYO SAN LORENZO, CA 94580 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.85% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 119 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 310 | $120K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 310 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $59K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $59K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.