| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNAN AGENCY | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN INC. | $57K | — | $57K | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF CA | 3697 MT. DIABLO BLVD SUITE 100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | ANTHEM LIFE INSURANCE COMPANY | $24K | — | $24K | 14.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES OF | CALIFORNIA 1 S. LOS CARNEROS RD GOLETA, CA 93117 | ANTHEM LIFE INSURANCE COMPANY | $4K | $4K | $8K | 4.71% |
| SITZMANN MORRIS & LAVIS, INC.3 Filed as: SITZMANN, MORRIS, & LAVIS | PO BOX 15111 WILMINGTON, DE 19858 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $794 | — | $794 | 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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 712 | $3.8M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 541 | $172K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 541 | $172K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 541 | $172K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 712 | $3.8M |
| Other(2 contracts) | MANAGED HEALTH NETWORK | 807 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.
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.