| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INSURANCE | P.O BOX 1512 MERCED, CA 95341 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 4.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.83% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INSURANCE | 3187 COLLINS DRIVE, SUIT EA MERCED, CA 95348 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 6.73% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.19% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 2810 SUNFLOWER COURT MERCED, CA 95340 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 25.92% |
| RISKPOINT INS ADVISORS, LLC.3 Filed as: RISKPOINT INS ADVISORS LLC | 5285 MEADOWS ROAD, SUITE 242 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | -$521 | — | -$521 | -4.52% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 60 | $315K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $79K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $79K |
| Short-term disability | STANDARD INSURANCE COMPANY | 40 | $12K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 313 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.