| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIA TOGNOLI3 | 5 GIVERNY NEWPORT BEACH, CA 92657 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.40% |
| LESLIE GRAY3 | 8583 IRVINE CENTER DRIVE IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.40% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.21% |
| MICHAEL MCGRATH3 | 2901 WEST COAST HWY, SUITE 200 NEWPORT BEACH, CA 92663 | KAISER FOUNDATION HEALTH PLAN INC. | -$12 | — | -$12 | -0.00% |
| LESLIE GRAY3 | 8583 IRVINE CENTER DRIVE IRVINE, CA 92618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.70% |
| MARIA TOGNOLI3 | 5 GIVERNY NEWPORT BEACH, CA 92657 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 2.19% |
| MICHAEL MCGRATH3 | 2901 WEST COAST HWY, SUITE 200 NEWPORT BEACH, CA 92663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89 | — | $89 | 0.02% |
| LESLIE GRAY3 | 8583 IRVINE CENTER DRIVE IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.42% |
| MARIA TOGNOLI3 | 5 GIVERNY NEWPORT BEACH, CA 92657 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 0.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $458 | — | $458 | 0.16% |
| LESLIE GRAY3 | 8583 IRVINE CENTER DRIVE IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 5.00% |
| MARIA TOGNOLI3 | 1133 CAMELBAK NEWPORT BEACH, CA 92658 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 5.00% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 204 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $461K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $461K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $5K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 117 | $981K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.