| 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 93868 | KAISER FOUNDATION HEALTH PLAN INC. | $130K | — | $130K | 4.99% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 750 THE CITY DR. S STE 450 ORANGE, CA 92868 | GUARDIAN | $12K | $5K | $17K | 13.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN, INSURANCE ADMINI | 721 S PARKER #300 ORANGE, CA 92868 | GUARDIAN | $6K | — | $6K | 5.00% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 790 THE CITY DR S STE 210 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 750 THE CITY DR S STE 450 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $613 | $613 | 3.03% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 790 THE CITY DR S STE 210 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 750 THE CITY DR S STE 450 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $328 | $328 | 2.36% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 790 THE CITY DR S STE 210 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 100.00% |
| STRATEGIC INSURANCE PARTNERS, LLC3 | 750 THE CITY DR S STE 450 ORANGE, CA 92868 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $606 | $606 | 28.20% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 240 | $2.6M |
| Dental | GUARDIAN | 181 | $121K |
| Vision | KAISER FOUNDATION HEALTH PLAN INC. | 240 | $2.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $20K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
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.