| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC. | $59K | — | $59K | 4.23% |
| GOLD SKY BENEFITS LLC3 | 21425 42ND AVENUE BAYSIDE, NY 11361 | KAISER FOUNDATION HEALTH PLAN INC. | $24 | — | $24 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | GUARDIAN | $14K | $3K | $17K | 14.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE ROAD WOODBURY, NY 11797 | TRANSAMERICA LIFE INSURANCE COMPANY | $348 | — | $348 | 6.79% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | TRANSAMERICA LIFE INSURANCE COMPANY | $258 | — | $258 | 5.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | TRANSAMERICA LIFE INSURANCE COMPANY | $112 | — | $112 | 2.19% |
| FNA INS SERVICES INC3 | 1000 WOODBURY RD, STE 403 WOODBURY, NY 11797 | TRANSAMERICA LIFE INSURANCE COMPANY | $34 | — | $34 | 0.66% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 223 | $1.4M |
| Dental | GUARDIAN | 238 | $122K |
| Vision | GUARDIAN | 238 | $122K |
| Life insurance | GUARDIAN | 238 | $122K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 24 | $5K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 24 | $5K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 223 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 238 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.