| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTNER INSURANCE SERVICES, LLC3 | 11950 MASTERS CT AUBURN, CA 956032537 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 3.30% |
| KISTNER INSURANCE SERVICES, LLC3 Filed as: KISTNER INSURANCE SERVICES | 3017 DOUGLAS BLVD STE 300 ROSEVILLE, CA 95661 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 5.00% |
| KISTNER INSURANCE SERVICES, LLC3 | 3017 DOUGLAS BOULEVARD SUITE 300 ROSEVILLE, CA 95661 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.18% |
| KISTNER INSURANCE SERVICES, LLC3 Filed as: KISTNER INSURANCE SERVICES LLC | 11950 MASTERS CT AUBURN, CA 95603 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $796 | — | $796 | 5.45% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 119 | $1.1M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 246 | $121K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 118 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
No prospect flags tripped on this filing.