| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAMI JO SCHREINER3 | 110 E D ST STE M BENICIA, CA 94510 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 2.30% |
| GAVIN & SCHREINER INSURANCE3 | 110 E D ST STE M BENICIA, CA 84510 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 2.20% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 1.29% |
| TAMI JO SCHREINER3 Filed as: TAMI SCHREINER | 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 | RELIANCE STANDARD | $4K | — | $4K | 11.80% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | RELIANCE STANDARD | $2K | — | $2K | 9.49% |
| TAMI JO SCHREINER3 Filed as: TAMI SCHREINER | 110 E. D ST. SUITE M BENICIA, CA 94510 | VISION SERVICE PLAN | $578 | — | $578 | 3.46% |
| GAVIN & SCHREINER INSURANCE3 Filed as: GAVIN & SCHREINER INS. SVCS | 110 E D ST STE M BENICIA, CA 94510 | VISION SERVICE PLAN | $557 | — | $557 | 3.34% |
| GAVIN & SCHREINER INSURANCE3 | — | GUARDIAN | $7K | — | $7K | 100.00% |
| TAMI JO SCHREINER3 | — | GUARDIAN | $4K | — | $4K | 64.07% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 203 | $1.2M |
| Dental | GUARDIAN | 148 | $7K |
| Vision | VISION SERVICE PLAN | 142 | $17K |
| Life insurance | RELIANCE STANDARD | 177 | $17K |
| Long-term disability | RELIANCE STANDARD | 177 | $32K |
| Other(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 177 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.