| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $305K | — | $305K | 3.67% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $21K | — | $21K | 3.95% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | — | $6K | 3.07% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| BENEFIT TECHNOLOGY RESOURCES5 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | P.O. BOX 26622 TAMPA, FL 33623 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 5.96% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 4.09% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | SIMNSA | $4K | — | $4K | 7.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $2K | — | $2K | 7.45% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UDC DENTAL OF CALIFORNIA, INC. | $711 | — | $711 | 5.00% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNITED DENTAL CARE OF COLORADO, INC. | $783 | — | $783 | 10.00% |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,340 | $9.2M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 687 | $305K |
| Vision | EYEMED VISION CARE | 2,886 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,100 | $194K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,100 | $194K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,100 | $194K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,340 | $9.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,100 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,886 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.