| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN, INC. | $119K | — | $119K | 2.74% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $69K | $43K | $111K | 23.02% |
| FALCON WEST INS BROKERS INC3 | 2525 CAMINO DEL RIO S SUITE 100 SAN DIEGO, CA 92108 | HARTFORD LIFE AND ACCIDENT | $115 | — | $115 | 0.02% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 2.47% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 2.63% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 926173063 | CONTINENTAL CASUALTY COMPANY | $4K | — | $4K | 15.42% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $701 | — | $701 | 2.65% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC | 130 THEORY SUITE 200 IRVINE, CA 92612 | COMPSYCH | $2K | — | $2K | 10.00% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | HYATT LEGAL PLANS | $2K | — | $2K | 10.14% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC | 130 THEORY SUITE 200 IRVINE, CA 926173063 | HARTFORD LIFE AND ACCIDENT | $1K | $167 | $1K | 17.05% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 684 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 972 | $549K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,011 | $510K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 972 | $539K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 684 | $4.3M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,020 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.