| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 3.96% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.20% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | WESTERN HEALTH ADVANTAGE | $13K | $0 | $13K | 5.65% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.58% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.42% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 9.91% |
| HKSS SERVICES LLC3 Filed as: HKSS SERVICES, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.31% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.69% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $375 | $1K | 11.08% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $218 | $0 | $218 | 1.70% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 16835 WEST BERNARDO DRIVE, SUITE 21 SAN DIEGO, CA 92127 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.26% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $735 | $0 | $735 | 10.00% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | UNITEDHEALTHCARE INSURANCE COMPANY | $244 | $0 | $244 | 4.59% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $186 | $0 | $186 | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | UNITEDHEALTHCARE INSURANCE COMPANY | $116 | $0 | $116 | 2.18% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 124 | $992K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 207 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $18K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 124 | $992K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.