| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 301 EAST COLORADO BOULEVARD SUITE 205 WALNUT CREEK, CA 94598 | HEALTH NET | $96K | $0 | $96K | 6.98% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $0 | $30K | 2.51% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFTIS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 6.43% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 10.23% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 400 NORTH PONCE DE LEON BOULEVARD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | $0 | $411 | $411 | 1.07% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA & COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | HARTFORD LIFE AND ACCIDENT | -$2 | $0 | -$2 | -0.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | VISION SERVICE PLAN | $1K | — | $1K | 4.68% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $299 | — | $299 | 1.15% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 224 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $365K |
| Vision | VISION SERVICE PLAN | 209 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $365K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $38K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 224 | $2.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.