| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FLORIDA | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.84% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FLORIDA | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.31% |
| FOUNDATION RISK PARTNERS CORP3 | UNKNOWN SACRAMENTO, CA 95815 | DELTA DENTAL OF CALIFORNIA | $9K | $0 | $9K | 9.98% |
| MASOLI LEGACY LLC4 Filed as: MASOLI LEGACY, LLC | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 16.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 5668 CONCORD, CA 94524 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.75% |
| FOUNDATION RISK PARTNERS CORP4 Filed as: FOUNDATION RISK PARTNERS | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $529 | $0 | $529 | 1.85% |
| WILLIAMS S. BORDEN4 | 10057 VAN BROCKLIN WAY ELK GROVE, CA 95757 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | $0 | $59 | 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 | 878 | 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) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 557 | $6.4M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 606 | $410K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 606 | $319K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 878 | $300K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 878 | $300K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 557 | $6.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 878 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.