| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | PO BOX 255188 SACRAMENTO, CA 958655188 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 4.57% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.42% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | PO BOX 255188 SACRAMENTO, CA 95865 | HEALTH NET | $47K | — | $47K | 4.49% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | HEALTH NET | $4K | — | $4K | 0.39% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | PO BOX 255188 SACRAMENTO, CA 95865 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 3.56% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3536 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.61% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | EYEMED | $4K | — | $4K | 13.13% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 5446 THORNWOOD DRIVE, #200 SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $368 | $368 | 2.34% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $871 | — | $871 | 7.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $276 | — | $276 | 2.38% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | — | $209 | 1.80% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $205 | $205 | 2.58% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3536 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $268 | $268 | 3.97% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $706 | — | $706 | 12.06% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $161 | — | $161 | 2.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.17% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 186 | $2.2M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 526 | $193K |
| Vision | EYEMED | 416 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 186 | $1.2M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.