| 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 | $92K | $0 | $92K | 4.66% |
| SHIH C. HUANG3 | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $69K | $69K | 4.78% |
| SHIH C. HUANG3 Filed as: SHIH CHE HUANG | 1660 SOUTH AMPHLETT BOULEVARD SUITE 350 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.34% |
| SHIH C. HUANG3 | 1322 MARIN AVENUE ALBANY, CA 94706 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $971 | $0 | $971 | 19.99% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | UNKNOWN SAN FRANCISCO, CA 94108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.39% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 194 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $295K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $295K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $295K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 194 | $3.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 365 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.