| 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 | $147K | $16 | $147K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $100K | $9 | $100K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $38K | $6 | $38K | 0.38% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES, INC | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $155 | $5 | $160 | 0.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $30K | $3 | $30K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $24K | $3 | $24K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $21K | $3 | $21K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $21K | $3 | $21K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $22K | $3 | $22K | 0.55% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $15K | $2 | $15K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $13K | — | $13K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $12K | $2 | $12K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $11K | $1 | $11K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $10K | $2 | $10K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $1 | $9K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $7K | — | $7K | 0.51% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $6K | $1 | $6K | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $6K | $1 | $6K | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $6K | $1 | $6K | 0.48% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | FIDELITY SECURITY LIFE | $38K | — | $38K | 7.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 13.05% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC. | $2K | — | $2K | 0.48% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $307 | $2K | 0.57% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS, INC. | $2K | — | $2K | 0.50% |
| MGU OF THE WEST INS SVCS INC3 | 9245 LAGUNA SPRINGS DR STE 320 ELK GROVE, CA 95758 | SYMETRA LIFE INSURANCE COMPANY | $18K | $16K | $35K | 12.39% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $1K | — | $1K | 0.52% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 11.05% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICE, INC. | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 0.45% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $628 | — | $628 | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 3.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 7.00% |
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 3.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS INC | $363 | — | $363 | 0.49% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 3.00% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLANS,INC. | $181 | — | $181 | 0.50% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $1K | $1K | 3.82% |
| DUBLIN INSURANCE SERVICES, INC.3 | PO BOX 9026 PLEASANTON, CA 94566 | RELIANCE STANDARD LIFE INSURANCE CO | $296 | — | $296 | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE CO | — | $113 | $113 | 3.82% |
| 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 | — | $45K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general) Service code 16 | — | $31K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| KNOWLEDGE-BASED QUALITY CONSULTING EIN 26-0673566 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| KRAW & KRAW EIN 32-0465891 NONE | Legal Service code 29 | — | $9K |
| CONEXIS BENEFITS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1100 PARK PL 4TH FL SAN MATEO, CA 94403 | $8K |
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 | 27,360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(36 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC | 3,541 | $119.5M |
| Dental(13 contracts) | DELTA DENTAL OF CALIFORNIA | 12,011 | $16.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 1,095 | $30K |
| Prescription drug | SUTTER HEALTH PLAN | 163 | $525K |
| Other | RELIANCE STANDARD LIFE INSURANCE CO | 1,095 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,011 | — |
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.