| 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. | $51K | — | $51K | 4.88% |
| EVCO INSURANCE SERVICES INC3 | 1299 NEWELL HILL PL #301 WALNUT CREEK, CA 94596 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.98% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.99% |
| EVCO INSURANCE SERVICES INC3 | 1212 BROADWAY PLAZA SUITE 2100 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVI | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $597 | $5K | 29.96% |
| 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 | $17 | $1K | 7.02% |
| 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 | — | $80 | $80 | 0.49% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INS SERVICES INC | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 945965129 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $582 | $5K | 33.54% |
| 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 | $17 | $1K | 7.94% |
| 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 | — | $82 | $82 | 0.58% |
| EVCO INSURANCE SERVICES INC4 Filed as: EVCO INSURANCE SERVICES | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $910 | — | $910 | 18.26% |
| ROBERT WILLIAMS4 | 16012 VIA ARROYO SAN LORENZO, CA 94580 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.66% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 112 | $1.0M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 388 | $141K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 388 | $141K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $78K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $78K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $78K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.