| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $176K | $0 | $176K | 2.22% |
| TRICIA ANN HECHT3 Filed as: TRICIA HECHT | 425 NE HANCOCK STREET PORTLAND, OR 97212 | KAISER FOUNDATION HEALTH PLAN, INC. | $125K | $0 | $125K | 1.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 425 NE HANCOCK STREET PORTLAND, OR 97212 | HARTFORD LIFE AND ACCIDENT | $626K | $0 | $626K | 16.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $135K | $135K | 3.54% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $30K | $3K | $33K | 0.86% |
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 | 4,564 | 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) | 4,564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,107 | $7.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,201 | $3.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,201 | $3.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 1,107 | $7.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 5,201 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,201 | — |
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.