| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 2.73% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | SUTTER HEALTH PLAN | $12K | $0 | $12K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.84% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $917 | $6K | 5.89% |
| SYMPHONY RISK SOLUTIONS INS SERVICE3 Filed as: SYMPHONY RISK SOLUTIONS INS. SVCS. | 101 MONTGOMERY STREET, SUITE 800 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.03% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | VISION SERVICE PLAN | $693 | $0 | $693 | 7.83% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $443 | $0 | $443 | 5.01% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $160 | $0 | $160 | 8.11% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $182 | $0 | $182 | 9.86% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $91 | $24 | $115 | 6.23% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2125 YGNACIO VALLEY ROAD, SUITE 200 WALNUT CREEK, CA 94598 | SUN LIFE ASSURANCE COMPANY OF CANADA | $127 | $0 | $127 | 20.85% |
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 40 | $731K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $100K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 38 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $98K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $609 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $98K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 40 | $391K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.