| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $93K | $0 | $93K | 3.85% |
| WHITEBOARD RISK & INS SOLUTIONS LLC3 | 9655 GRANITE RIDGE DRIVE, SUITE 200 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN, INC. | $74K | $0 | $74K | 3.08% |
| WHITEBOARD BENEFITS INS SVCS, LLC3 | 9655 GRANITE RIDGE DRIVE, SUITE 200 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 0.64% |
| WHITEBOARD RISK & INS SOLUTIONS LLC3 Filed as: WHITEBOARD RISK | 5173 WARING ROAD, SUITE A16 SAN DIEGO, CA 92120 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.79% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VLG, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.12% |
| WHITEBOARD RISK & INS SOLUTION, LLC3 | 9655 GRANITE RIDGE DRIVE, SUITE 200 SAN DIEGO, CA 92123 | HARTFORD LIFE AND ACCIDENT INSURANCE | $193 | $0 | $193 | 15.03% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 339 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $317K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $317K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 353 | $317K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 339 | $2.4M |
| Other(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 353 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.