| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | $3 | $38K | 1.90% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $610 | — | $610 | 1.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC. | $663 | — | $663 | 2.15% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | KAISER FOUNDATION HEALTH PLAN INC. | $24 | — | $24 | 0.08% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $201 | $5K | 28.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | EYEMED VISION CARE | $1K | — | $1K | 9.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $561 | — | $561 | 9.27% |
| HIXME INSURANCE SOLUTIONS, INC.3 | 27489 AGOURA ROAD, SUITE 100 AGOURA HILLS, CA 91301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 5.73% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 296 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $17K |
| Vision | EYEMED VISION CARE | 198 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 248 | $6K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 11 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $19K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 296 | $2.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.