| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN | $87K | — | $87K | 0.86% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS (AON) | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $418K | $58K | $476K | 20.30% |
| USI INSURANCE SERVICES LLC3 Filed as: WFIS/USI INSURANCE | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $6K | $76K | 3.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 EMBARDCADERO CTR STE 609 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1 | $21K | 0.89% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS (AON) | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $359K | $57K | $416K | 26.15% |
| USI INSURANCE SERVICES LLC3 Filed as: WFIS/USI INSURANCE | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62K | -$186 | $62K | 3.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 EMBARCADERO CTR STE 609 SAN FRANCISCO, CA 94111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 0.57% |
| WELLS FARGO INSURANCE SERVICES8 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 5.82% |
| WELLS FARGO INSURANCE SERVICES3 | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.79% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN | 1,717 | $10.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 7,378 | $608K |
| Vision | VISION SERVICE PLAN | 2,417 | $499K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7,008 | $1.6M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7,008 | $1.6M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN | 1,717 | $10.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,325 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,325 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.