| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTNER INSURANCE SERVICES, LLC3 | 11950 MASTERS CT AUBURN, CA 956032537 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $14 | $13K | 2.96% |
| KISTNER INSURANCE SERVICES, LLC3 Filed as: KISTNER INSURANCE SERVICES | 11950 MASTERS CT AUBURN, CA 95603 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 4.88% |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD. SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $5K | — | $5K | 5.09% |
| KISTNER INSURANCE SERVICES, LLC3 | 11950 MASTERS COURT AUBURN, CA 95603 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.46% |
| KISTNER INSURANCE SERVICES, LLC3 Filed as: KISTNER INSURANCE SERVICES LLC | 11950 MASTERS CT AUBURN, CA 95603 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $447 | — | $447 | 6.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 75 | $763K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 182 | $103K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 46 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.