| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOHN MCFADDEN3 | 6114 LA SALLE AVE #318 OAKLAND, CA 946112802 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $62 | $62 | 0.00% |
| GOHN MCFADDEN3 | 6114 LA SALLE AVE # 318 OAKLAND, CA 946112802 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $97 | $97 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $182K |
| VENUTI & ASSOCIATES EIN 04-3721424 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $62K |
| UNION BANK EIN 94-0304228 NONE | Direct payment from the plan; Other services Service code 49 | — | $61K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $57K |
| NEYHART, ANDERSON, FLYNN & GROSBOLL EIN 94-2576729 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| WAGE WORKS NONE | Direct payment from the plan; Claims processing Service code 12 | 1100 PARK PLACE SAN MATEO, CA 94403 | $25K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| GRAND FLOW EIN 94-3211239 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $9K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $9K |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 29 | $115K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,086 | $697K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 398 | $16K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 398 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,086 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.