| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACCORKLE INSURANCE SERVICES3 | 700 AIRPORT BOULEVARD, SUITE 300 BURLINGAME, CA 94010 | BLUE CROSS OF CALIFORNIA | $92K | — | $92K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN SAINT LOUIS PARK, MN 55426 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 1.85% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | BLUE CROSS OF CALIFORNIA | — | $31K | $31K | 1.82% |
| MACCORKLE INSURANCE SERVICES3 | 577 AIRPORT BOULEVARD, SUITE 500 BURLINGAME, CA 94010 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 3.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.86% |
| MACCORKLE INSURANCE SERVICES3 | 577 AIRPORT BOULEVARD, SUITE 500 BURLINGAME, CA 94010 | VISION SERVICE PLAN | $1K | — | $1K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | VISION SERVICE PLAN | $196 | — | $196 | 0.70% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 265 | $2.3M |
| Dental | BLUE CROSS OF CALIFORNIA | 265 | $1.7M |
| Vision | VISION SERVICE PLAN | 124 | $28K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 265 | $1.7M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 265 | $1.7M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 265 | $1.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 265 | $2.3M |
| Other | BLUE CROSS OF CALIFORNIA | 265 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.