| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC. | $50K | — | $50K | 5.27% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 6.33% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $10K | $1K | $11K | 30.99% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD. SAN JOSE, CA 95129 | MEDICAL EYE SERVICES | $836 | — | $836 | 10.00% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 123 | $947K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 124 | $99K |
| Vision | MEDICAL EYE SERVICES | 131 | $8K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 124 | $134K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 30 | $35K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 123 | $947K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 124 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.