| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCES SERVICES, INC. | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC | $122K | — | $122K | 0.46% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $91K | — | $91K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $49K | — | $49K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES, INC | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $139 | — | $139 | 0.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $27K | — | $27K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $22K | — | $22K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $19K | — | $19K | 0.46% |
| DUBLIN INSURANCE SERVICES, INC.3 | 6680 SIERRA LN DUBLIN, CA 94568 | KAISER FOUNDATION HEALTH PLANS, INC. | $19K | — | $19K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $18K | — | $18K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $16K | — | $16K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $14K | — | $14K | 0.52% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $11K | — | $11K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $11K | — | $11K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $9K | — | $9K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC | PO BOX 9026 DUBLIN, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $6K | — | $6K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $6K | — | $6K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $5K | — | $5K | 0.53% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $2K | — | $2K | 0.24% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $3K | — | $3K | 0.44% |
| DUBLIN INSURANCE SERVICES, INC.3 | 6200 VILLAGE PKWY SUITE 201 DUBLIN, CA 94568 | FIDELITY SECURITY LIFE | $39K | — | $39K | 6.29% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 10.93% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $2K | — | $2K | 0.51% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.51% |
| MGU OF THE WEST INS SVCS INC3 | 9245 LAGUNA SPRINGS DR STE 320 ELK GROVE, CA 95758 | SYMETRA FINANCIAL | $18K | $12K | $30K | 10.90% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | SYMETRA FINANCIAL | $9K | — | $9K | 3.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 11.91% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $333 | — | $333 | 0.15% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $1K | — | $1K | 0.51% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $1K | — | $1K | 0.48% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $876 | — | $876 | 0.58% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 2.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 6.38% |
| NANCY ELLEN GYLES3 | 1915 LAUREL ST NAPA, CA 94559 | UNITEDHEALTHCARE INSURANCE COMPANY | $615 | — | $615 | 0.62% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $589 | — | $589 | 0.60% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $444 | — | $444 | 0.51% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $336 | — | $336 | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 10.82% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $733 | $733 | 2.31% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $344 | — | $344 | 10.82% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $73 | $73 | 2.30% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC | $103 | — | $103 | 8.61% |
| 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 | — | $61K |
| 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 | — | $46K |
| RAEL & LETSON NONE | Consulting (general) Service code 16 | — | $30K |
| KNOWLEDGE-BASED QUALITY CONSULTING EIN 26-0673566 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $28K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| KRAW & KRAW EIN 32-0465891 NONE | Legal Service code 29 | — | $15K |
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 | 24,649 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(37 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC | 3,755 | $113.3M |
| Dental(13 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 12,508 | $16.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 957 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE CO | 957 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,508 | — |
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.