| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN INC | $42K | $9 | $42K | 2.75% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 5.54% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.93% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 371 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 518 | $202K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 377 | $10K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 371 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.