| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR S, STE 450 ORANGE, CA 92868 | KAISER FOUNDATION | $79K | — | $79K | 5.40% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | — | DELTA DENTAL OF CA | $6K | $0 | $6K | 5.00% |
| STRATEGIC INSURANCE PARTNERS, LLC3 Filed as: STRATEGIC INS PARTNERS, LLC | 750 THE CITY DR S STE 450 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INS CO | $2K | — | $2K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR S, STE 450 ORANGE, CA 92868 | LINCOLN NTL LIFE INS CO | $1K | $435 | $2K | 12.98% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR S, STE 450 ORANGE, CA 92868 | LINCOLN NTL LIFE INS CO | $1K | $340 | $1K | 12.97% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | — | DELTA DENTAL OF CA | $322 | $0 | $322 | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR S, STE 450 ORANGE, CA 92868 | LINCOLN NTL LIFE INS CO | $616 | $185 | $801 | 13.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION | 218 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL OF CA | 127 | $120K |
| Life insurance | LINCOLN NTL LIFE INS CO | 169 | $6K |
| Short-term disability | LINCOLN NTL LIFE INS CO | 169 | $6K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INS CO | 177 | $28K |
| Other | LINCOLN NTL LIFE INS CO | 170 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.