| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER BEDROSIAN3 | 525 VETERANS BLVD. SUITE 102 REDWOOD CITY, CA 94063 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | $0 | $50K | 4.98% |
| ALEXANDER BEDROSIAN3 Filed as: ALEXANDER S. BEDROSIAN | 402 OAK GROVE #L MENLO PARK, CA 94025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.79% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.68% |
| RONALD G. BEDROSIAN3 | 525 VETERANS BLVD. SUITE 102 REDWOOD CITY, CA 94063 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.36% |
| ALEXANDER BEDROSIAN3 Filed as: ALEXANDER S. BEDROSIAN | 525 VETERANS BLVD SUITE 102 REDWOOD CITY, CA 94063 | BLUE SHIELD OF CALIFORNIA | $3K | $0 | $3K | 7.00% |
| CLAREMONT BUSINESS GROUP3 | 2999 OAK ROAD STE 810 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA | $0 | $1K | $1K | 2.76% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 158 | $1.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $144K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $144K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $100K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $100K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 6 | $45K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.