| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | $0 | $95K | 6.11% |
| SYMPHONY RISK SOLUTIONS INS SERVICE3 Filed as: SYMPHONY RISK SOLN INS SVCS, INC. | 345 CALIFORNIA STREET, SUITE 1750 SAN FRANCICSCO, CA 94104 | UNITEDHEALTHCARE INSURANCE COMPANY | -$202 | $0 | -$202 | -0.01% |
| 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 | $34K | $0 | $34K | 2.71% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFTIS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 6.14% |
| 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 | 3.40% |
| 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 | 11.26% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 400 PONCE DE LEON BOULEVARD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | $0 | $76 | $76 | 0.23% |
| 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 | -$26 | $0 | -$26 | -0.08% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.15% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE, SUITE 81 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $254 | $0 | $254 | 0.93% |
| MAROEVICH, O'SHEA AND COGHLAN INS.3 Filed as: MAROEVICH, OSHEA & COGHLAN | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.00% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 694 | $335K |
| Vision | VISION SERVICE PLAN | 211 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 694 | $335K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $32K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $2.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 694 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.