| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAISER ARMAC INSURANCE AGENCY Filed as: KAISER PERMANENTE | 3840 MURPHY CANYON ROAD SAN DIEGO, CA 92123 | KAISER PERMANENTE | $22K | — | $22K | — |
| LINCOLN FINANCIAL GROUP Filed as: LINCOLN NATIONAL LIFE INSURANCE COM | 8801 INDIAN HILLS DRIVE OMAHA, NE 68114 | LINCOLN NATIONAL LIFE INSURANCE | $707 | — | $707 | — |
| EMPLOYER DRIVEN INSURANCE SERVICES | 5429 AVENIDA DE LOS ROBLES , STE. A VISALIA, CA 93291 | EMPLOYER DRIVEN INSURANCE SERVICES | $8K | $18K | $27K | — |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 88 | $0 |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 96 | $0 |
| Other | EMPLOYER DRIVEN INSURANCE SERVICES | 70 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.