| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $72K | — | $72K | 0.53% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES, INC | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $427 | — | $427 | 0.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $56K | — | $56K | 0.54% |
| TERA LOUISE CLIZBE3 | 145 VIRGINIA LN ALAMO, CA 94507 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.07% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $26K | — | $26K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $24K | — | $24K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | 6680 SIERRA LN DUBLIN, CA 94568 | KAISER FOUNDATION HEALTH PLANS, INC. | $23K | — | $23K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $21K | — | $21K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $28K | — | $28K | 0.74% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $19K | — | $19K | 0.53% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $15K | — | $15K | 0.58% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $12K | — | $12K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $12K | — | $12K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $10K | — | $10K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC | PO BOX 9026 DUBLIN, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 0.49% |
| CYNTHIA D. KRALJ3 | 4633 ALMA AVE CASTRO VALLEY, CA 94546 | CHINESE COMMUNITY HEALTH PLAN | $40K | — | $40K | 2.50% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC | 6680 SIERRA LANE DUBLIN, CA 94568 | CHINESE COMMUNITY HEALTH PLAN | $36K | — | $36K | 2.28% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $8K | — | $8K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $7K | — | $7K | 0.57% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $7K | — | $7K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | FIDELITY SECURITY LIFE | $56K | — | $56K | 7.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $4K | — | $4K | 0.58% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $3K | — | $3K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $3K | — | $3K | 0.59% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 10.47% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.53% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.53% |
| WELLSPRING BENEFIT INS. SOLUTIONS3 | 9245 LAGUNA SPRINGS DR STE 320 ELK GROVE, CA 95758 | SYMETRA FINANCIAL | $17K | $13K | $30K | 10.42% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | SYMETRA FINANCIAL | $10K | — | $10K | 3.50% |
| MGU OF THE WEST INS SVCS INC3 | 9245 LAGUNA SPRINGS DR STE 320 ELK GROVE, CA 95758 | SYMETRA FINANCIAL | $2K | — | $2K | 0.53% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $2K | — | $2K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $1K | — | $1K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC | $1K | — | $1K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.54% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 9.96% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.04% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.81% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.19% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 3.00% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 2.72% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $412 | — | $412 | 0.52% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $283 | — | $283 | 0.45% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $254 | — | $254 | 0.46% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $631 | $631 | 1.21% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC | $8K | — | $8K | 51.39% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $523 | — | $523 | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $63 | $63 | 1.20% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC | $5K | — | $5K | 101.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC. EIN 94-3204324 NONE | Plan Administrator Service code 14 | — | $1.8M |
| KEMPER SYSTEMS, INC. EIN 90-0189128 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| WEINBERG, ROGER & ROSENFELD EIN 94-3019439 NONE | Legal Service code 29 | — | $60K |
| REFINED TECHNOLOGIES, INC. EIN 77-0482870 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $51K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| KNOWLEDGE-BASED QUALITY CONSULTING EIN 26-0673566 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $22K |
| CONEXIS BENEFITS ADMINISTRATORS, LP EIN 20-0198855 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $15K |
| KRAW & KRAW EIN 32-0465891 NONE | Legal Service code 29 | — | $9K |
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 | 22,743 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 22,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(39 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC | 3,005 | $108.3M |
| Dental(13 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 13,720 | $15.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 1,280 | $52K |
| Other | RELIANCE STANDARD LIFE INSURANCE CO | 1,280 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,720 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.