| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $41K | $0 | $41K | 2.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | $0 | $35K | 2.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 200 RALEIGH, NC 27612 | AFLAC | $3K | $0 | $3K | 6.47% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $2K | $107 | $3K | 4.76% |
| ELENA MARIA MESEN3 | 2290 EL MONTE DRIVE OAKLEY, CA 94561 | AFLAC | $2K | $104 | $2K | 4.28% |
| KRISTIAN J. KUNZ AND OTHER AGENTS3 | 108 MADRONE AVENUE SAN FRANCISCO, CA 94127 | AFLAC | $1K | $223 | $2K | 3.19% |
| SERGIO I GARCIA3 Filed as: SERGIO I. GARCIA | 7728 SKYBLUE AVENUE, APARTMENT 109 WESLEY CHAPEL, FL 33545 | AFLAC | $2K | $0 | $2K | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $878 | $0 | $878 | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | AFLAC | $448 | $0 | $448 | 0.83% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.21% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 207 | $1.4M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $34K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 195 | $88K |
| Short-term disability | AFLAC | 63 | $54K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 207 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 195 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.