| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROBITY INSURANCE SERVICES3 | 1100 E HAMILTON AVE, SUITE 1 CAMBELL, CA 950080741 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 4.92% |
| SECURITY LIFE INS CO OF AMERICA3 | 10901 RED CIRCLE DR MINNETONKA, MN 55343 | HEALTHEDGE, INC | — | $54K | $54K | 72.94% |
| HEALTHEDGE ADMINISTRATORS3 | 5701 TRUXTUN AVE, STE. 100 BARKERSFIELD, CA 93309 | HEALTHEDGE, INC | — | $9K | $9K | 12.06% |
| PROBITY INSURANCE SERVICES3 | 1100 E HAMILTON AVE STE. 1 CAMPBELL, CA 95008 | HEALTHEDGE, INC | — | $7K | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 721S PARKER ORANGE, CA 92868 | HEALTHEDGE, INC | $4K | — | $4K | 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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $1.0M |
| Dental | HEALTHEDGE, INC | 86 | $75K |
| Vision | HEALTHEDGE, INC | 86 | $75K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 205 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.