| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | KAISER FOUNDATION HEALTH PLAN | $33K | — | $33K | 3.88% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | WESTERN HEALTH ADVANTAGE | $8K | — | $8K | 5.00% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 12.98% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.80% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | VISION SERVICE PLAN | $824 | — | $824 | 6.15% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 162 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $96K |
| Vision | VISION SERVICE PLAN | 100 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $27K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
No prospect flags tripped on this filing.