| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOC INSURANCE SERVICES3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $108K | $0 | $108K | 4.99% |
| MOC INSURANCE SERVICES3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | SUTTER HEALTH PLAN | $24K | $0 | $24K | 6.00% |
| MOC INSURANCE SERVICES3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 2520 NORTHWINDS PARKWAY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $4K | $20K | 6.47% |
| GREGORY L GOLIN3 Filed as: GREGORY L. GOLIN | 5822 CHARLOTTE DRIVE SAN JOSE, CA 95123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.39% |
| CATHERINE LISA LUKE3 | 4787 WEST HACIENDA AVENUE CAMPBELL, CA 95008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 0.36% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE COURT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $254 | $0 | $254 | 0.29% |
| ANTONIO JOSE ANGELES3 | 1858 ALLISON WAY SAN JOSE, CA 95132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.22% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 WEST MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 0.21% |
| PINC INSURANCE SVCS3 Filed as: PINC INSURANCE SERVICES INC. | UNKNOWN SAN FRANCISCO, CA 94107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 0.21% |
| SCOTT ALLEN BEER AND OTHER AGENTS3 | 316 CROCKER STREET TEMPLETON, CA 93465 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $0 | $190 | 0.21% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 143 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $302K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $302K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $391K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $302K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 143 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.