| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | KAISER FOUNDATION HEALTH PLAN | — | — | $0 | 0.00% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | ANTHEM BLUE CROSS LIFE AND INSURANCE COMPANY | $30K | — | $30K | 1.00% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN | $12K | — | $12K | 0.96% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN | $6K | — | $6K | 0.47% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $25K | — | $25K | 7.00% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 SAN MATEO, CA 94025 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 1.00% |
| NONE | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | 0.00% |
| NONE | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 10.89% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DR STE 100 MENLO PARK, CA 94025 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 7.11% |
| NONE | — | BLUE CROSS OF CALIFORNIA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-3760980 NONE | Claims processing; Direct payment from the plan; Plan Administrator; Float revenue Service code 12 | — | $247K |
| PREFERRED BENEFIT INSURANCE ADMINIS EIN 94-3079635 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $118K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $39K |
| INTERNATIONAL PROINSURANCE SERVICES EIN 94-3405549 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $33K |
| PACIFIC HEALTH ALLIANCE EIN 94-3010573 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $33K |
| TURNER CONSULTING AND ACTUARIAL LLC EIN 26-2178231 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $31K |
| DELTA DENTAL NONE | Direct payment from the plan; Claims processing Service code 12 | 100 FIRST STREET SAN FRANCISCO, CA 94105 | $27K |
| KRAW LAW GROUP EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| ALDRIDGE EIN 33-0152918 NONE | Investment management fees paid indirectly by plan; Distribution (12b-1) fees; Direct payment from the plan; Investment management Service code 28 | — | $7K |
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 | 1,026 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND INSURANCE COMPANY | 2,429 | $3.0M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,897 | $400K |
| Vision | ANTHEM BLUE CROSS LIFE AND INSURANCE COMPANY | 2,429 | $3.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 1,470 | $24K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 616 | $356K |
| Other | BLUE CROSS OF CALIFORNIA | 1,035 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,429 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.