| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY ST SUITE 107 FREEMONT, CA 94538 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 4.73% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY ST SUITE 107 FREMONT, CA 94538 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | $0 | $18K | 4.67% |
| MATRIX INSURANCE AGENCY3 Filed as: MATRIX GROUP INSURANCE AGENCY | 3375 SCOTT BLVD SUITE 300 SANTA CLARA, CA 95054 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 5316 VENICE BLVD LOS ANGELES, CA 90019 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $13K | 5.62% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY ST SUITE 107 FREMONT, CA 94538 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.65% |
| MATRIX INSURANCE AGENCY3 | 42840 CHRISTY ST SUITE 107 FREMONT, CA 94538 | EYEMED VISION CARE | $4K | $9 | $4K | 10.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX GROUP INS AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 3375 SCOTT BLVD SUITE 300 SANTA CLARA, CA 95054 | $92K |
| WARNER PACIFIC INS SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 32110 AGOURA RD WEST LAKE VILLAGE, CA 91361 | $13K |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 80 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $224K |
| Vision | EYEMED VISION CARE | 283 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.