| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPHONY RISK SOLUTIONS INS SERVICE3 | 345 CALIFORNIA STREET, SUITE 1750 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $55K | $0 | $55K | 2.56% |
| 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 | $52K | $0 | $52K | 2.42% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | SUTTER HEALTH PLAN | $12K | $0 | $12K | 3.16% |
| MOC INSURANCE SERVICES3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | SUTTER HEALTH PLAN | $11K | $0 | $11K | 2.84% |
| SYMPHONY RISK SOLUTIONS INS SERVICE3 | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 6.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 5.41% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.61% |
| FOUNDATION RISK PARTNERS CORP3 | 2600 SOUTH DOUGLAS ROAD, SUITE 712 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.42% |
| GREFORY L. GOLIN3 | 5822 CHARLOTTE DRIVE SAN JOSE, CA 95123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $12 | $5K | 5.74% |
| MJ INSURANCE3 Filed as: JAN HEJRET AND VARIOUS AGENTS | 644 NORTH 17TH STREET SAN JOSE, CA 95112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $305 | $749 | 0.91% |
| WENDY SUE GERSHOW3 | 3217 STAR AVENUE OAKLAND, CA 94619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $5 | $334 | 0.40% |
| CATHERINE LISA LUKE3 | 4787 WEST HACIENDA AVENUE CAMPBELL, CA 95008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $330 | $0 | $330 | 0.40% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE COURT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 0.34% |
| BARRY W MAAS Filed as: BARRY W. MAAS | 1272 WEST MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.25% |
| PINC INSURANCE SVCS3 Filed as: PINC INSURANCE SERVICES, INC. | UNKNOWN SAN FRANCISCO, CA 94107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 0.22% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $303K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $303K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $385K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $303K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.