| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KILTY RISK & INSURANCE SRVCS, INC3 | 12657 ALCOSTA BLVD., SUITE 175 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN, INC. | $29K | $0 | $29K | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6TH FLOOR 701 B STREET SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.01% |
| KILTY RISK & INSURANCE SRVCS, INC3 | 12657 ALCOSTA BLVD., SUITE 175 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.03% |
| KILTY RISK & INSURANCE SRVCS, INC3 | 12657 ALCOSTA BLVD., SUITE 175 SAN RAMON, CA 94583 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| KILTY RISK & INSURANCE SRVCS, INC3 | 12657 ALCOSTA BLVD., SUITE 175 SAN RAMON, CA 94583 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| KILTY RISK & INSURANCE SRVCS, INC3 | 12657 ALCOSTA BLVD., SUITE 175 SAN RAMON, CA 94583 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 97 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 169 | $89K |
| Vision | VISION SERVICE PLAN | 100 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $15K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 97 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.