| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TLL INSURANCE SERVICES INC3 | 3724 WISCONSIN ST OAKLAND, CA 946191544 | KAISER FOUNDATION HEALTH PLAN INC | $74K | — | $74K | 4.13% |
| TLL INSURANCE SERVICES INC3 | 3724 WISCONSIN ST OAKLAND, CA 946191544 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 7.33% |
| TLL INSURANCE SERVICES INC3 Filed as: TLL INSURANCE SERVICES | 1901 HARRISON ST STE 1100 OAKLAND, CA 946123648 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | ATTN VIVIAN LEUS 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 2 ENTERPRISE DR STE 204 SHELTON, CT 064844657 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.01% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 349 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $255K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $255K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $255K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.