| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAROEVICH, O'SHEA AND COGHLAN INS. Filed as: MAROEVICH, O'SHEA AND COGHLAN | 44 MONTGOMERY STREET SUITE 1700 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $116K | $0 | $116K | 5.43% |
| MOC INSURANCE SERVICES3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 7.84% |
| LEBHERTZ INSURANCE SERVICES INC3 | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.00% |
| GREGORY L GOLIN | 5822 CHARLOTTE DRIVE SAN JOSE, CA 95123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 10.78% |
| ANTONIO JOSE ANGELES3 | 1127 KOCH LANE SAN JOSE, CA 95125 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $263 | $2K | 1.38% |
| MICHAEL JAMES LEBRANE3 Filed as: MICHAEL J LEBRANE AND VAR AGENTS | 808 EAST 5TH AVENUE SAN MATEO, CA 94402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $45 | $2K | 1.36% |
| CATHERINE LISA LUKE3 | 4787 WEST HACIENDA AVENUE CAMPBELL, CA 95008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $322 | $1K | 1.23% |
| JULIA JOANNA PUJOLS3 Filed as: JULIA JOANNA PUJOLE | 10720 WALLACE LANE DUBLIN, CA 94568 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.04% |
| MARK TETSUO IWASAKI3 Filed as: MARK TESUO IWASAKI | 133 CRABAPPLE COURT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $97 | $1K | 1.01% |
| ROSA MURILLO PUENTE3 | 6143 UTE DRIVE SAN JOSE, CA 95123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $531 | $51 | $582 | 0.48% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 407 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 653 | $402K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 653 | $402K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 653 | $523K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 653 | $402K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 407 | $2.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 653 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
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.