| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALLEY BENEFITS INSURANCE SERVICES3 Filed as: VALLEY BENEFITS INSURANCE SERVICE | 1317 OAKDALE ROAD, #910 MODESTO, CA 953553369 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | — | $29K | 3.69% |
| BOHANNON INSURANCE AGENCY, INC.3 Filed as: BOHANNON INSURANCE AGENCY INSURANCE | 4317 N. STAR WAY, #A MODESTO, CA 95356 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.37% |
| BOHANNON INSURANCE AGENCY, INC.3 | 4317 NORTHSTAR WAY, #A MODESTO, CA 95356 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $270 | — | $270 | 2.27% |
| BOHANNON INSURANCE AGENCY, INC.3 | 4317 NORTHSTAR WAY, #A MODESTO, CA 95356 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $57 | — | $57 | 1.58% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 176 | $813K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $17K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.