| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 90425 | KAISER FOUNDATION HEALTH PLAN INC | $54K | $0 | $54K | 3.24% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 1.76% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 504 REDWOOD BOULEVARD, SUITE 240 NOVATO, CA 94947 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 6.83% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $124 | $124 | 0.10% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 90425 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | VISION SERVICE PLAN | $382 | $0 | $382 | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 28.26% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 18.17% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 353 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $45K |
| Vision | VISION SERVICE PLAN | 372 | $48K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $124K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $124K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 353 | $1.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 367 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.