| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTNER INSURANCE SERVICES, LLC3 | 11950 MASTERS COURT AUBURN, CA 95603 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 1.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 1.04% |
| KISTNER INSURANCE SERVICES, LLC3 Filed as: KISTNER INSURANCE SERVICES | 3017 DOUGLAS BOULEVARD, SUITE 300 ROSEVILLE, CA 95661 | WESTERN HEALTH ADVANTAGE | $17K | $0 | $17K | 3.09% |
| USI INSURANCE SERVICES LLC3 | 575 MARKET STREET, SUITE 3750 SAN FRANCISCO, CA 94105 | WESTERN HEALTH ADVANTAGE | $11K | $0 | $11K | 2.10% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 2.80% |
| KISTNER INSURANCE SERVICES, LLC3 | 3017 DOUGLASS BOULEVARD, SUITE 300 ROSEVILLE, CA 95661 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| KISTNER INSURANCE SERVICES, LLC3 | 11950 MASTERS COURT AUBURN, CA 95603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.41% |
| USI INSURANCE SERVICES LLC3 | 333 SOUTH GRAND AVENUE, SUITE 1450 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $552 | $6K | 5.32% |
| KISTNER INSURANCE SERVICES, LLC3 | 3017 DOUGLAS BOULEVARD, SUITE 300 ROSEVILLE, CA 95661 | METROPOLITAN LIFE INSURANCE COMPANY | $954 | $0 | $954 | 4.67% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $575 | $0 | $575 | 2.81% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 153 | $1.8M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 322 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $104K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $104K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 153 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.