| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH HALE3 | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 945834212 | KAISER FOUNDATION HEALTH PLAN INC | $66K | — | $66K | 3.98% |
| KEITH HALE3 | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 945834321 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 9.85% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SWAYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.03% |
| KEITH HALE3 | 2430 CAMINO RD, STE 114 SAN RAMON, CA 94583 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.77% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FANCISCO, CA 94111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.14% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $103 | $103 | 0.12% |
| KEITH HALE3 Filed as: KEITH E. HALE | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $2K | — | $2K | 4.25% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 346 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 611 | $268K |
| Vision | VISION SERVICE PLAN | 261 | $37K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 611 | $353K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $85K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $85K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 346 | $1.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 340 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.