| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | KAISER FOUNDATION HEALTH PLAN INC | $95K | — | $95K | 4.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | — | $3 | $3 | 0.00% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | BLUE CROSS OF CALIFORNIA | $64K | — | $64K | 3.91% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | UNION SECURITY INSURANCE COMPANY | $32K | — | $32K | 9.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.70% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $522 | $70 | $592 | 1.07% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | VISION SERVICE PLAN | $2K | — | $2K | 3.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | $147 | — | $147 | 0.34% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $984 | — | $984 | 10.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | $15 | $88 | 0.94% |
| PAUL BEVER3 | 334 STATE STREET, SUITE 205 LOS ALTOS, CA 94022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $468 | — | $468 | 5.13% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DR, STE 330 LAS VEGAS, NV 89135 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 2.15% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $3.7M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 370 | $366K |
| Vision | VISION SERVICE PLAN | 268 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $65K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 16 | $9K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $3.7M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.