| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FT WASHINGTON, PA 19034 | KAISER FOUNDATION HEALTH PLAN INC. | $58K | $0 | $58K | 5.34% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 94954 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 7.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 664173 DALLAS, TX 75266 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.60% |
| ARROW BENEFITS3 | 1465 N MCDOWELL BLVD STE 180 PETALUMA, CA 94954 | MAGELLAN HEALTHCARE | $525 | $0 | $525 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES ADMINISTRATORS | Contract Administrator Service code 13 | 501 OFFICE CENTER DR SUITE 215 FT WASHINGTON, PA 19034 | $58K |
| PATRIOT GROWTH INS SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 1465 N MCDOWELL BLVD STE 180 PETALUMA, CA 94954 | $10K |
| CENTERSTONE INS AND FINANCIAL ADMINISTRATOR | Contract Administrator Service code 13 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | $6K |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 152 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $134K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $134K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $134K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 238 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.