| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YUANYUAN ZHAO3 | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $83K | $0 | $83K | 4.99% |
| SHIH C. HUANG3 | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | $0 | $72K | $72K | 5.87% |
| SHIH C. HUANG3 | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | HUMANA INSURANCE COMPANY | $12K | $3K | $15K | 4.61% |
| SHIH C. HUANG3 | 1322 MARIN AVENUE ALBANY, CA 94706 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $371 | $0 | $371 | 19.99% |
| PACIFIC ADVISORS LLC3 | UNKNOWN SAN FRANCISCO, CA 94133 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.38% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 200 | $2.9M |
| Dental | HUMANA INSURANCE COMPANY | 224 | $316K |
| Vision | HUMANA INSURANCE COMPANY | 224 | $316K |
| Life insurance | HUMANA INSURANCE COMPANY | 224 | $316K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 200 | $2.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 12 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.