| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFG RETIREMENT SYSTEMS INC3 Filed as: MFG RETIREMENT SYSTEMS, INC. | 2377 GOLD MEADOW WAY, SUITE 250 RANCHO CORDOVA, CA 95670 | BLUE CROSS OF CALIFORNIA | $40K | — | $40K | 3.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | BLUE CROSS OF CALIFORNIA | $32K | — | $32K | 2.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.02% |
| PWA INSURANCE SERVICES LLC3 Filed as: PWA INSURANCE SERVICES | 2377 GOLD MEADOW WAY, SUITE 250 GOLD RIVER, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 1.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.67% |
| MFG RETIREMENT SYSTEMS INC3 Filed as: MFG RETIREMENT SYSTEMS, INC. | 2377 GOLD MEADOW WAY, SUITE 250 GOLD RIVER, CA 95670 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.23% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 354 | $2.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 354 | $1.3M |
| Vision | BLUE CROSS OF CALIFORNIA | 354 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 354 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $105K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 163 | $833K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 354 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.