| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC TOSCANELLI3 | 1704 FILBERT STREET SAN FRANCISCO, CA 94123 | AETNA HEALTH, INC. | $45K | $0 | $45K | 5.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | PO BOX 7746 CITRUS HEIGHTS, CA 956217746 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | $0 | $13K | 4.01% |
| DOMINIC TOSCANELLI3 | 1704 FILBERT STREET SAN FRANCISCO, CA 94123 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.97% |
| DOMINIC TOSCANELLI3 | 7 FILLMER AVE LOS GATOS, CA 950306325 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.06% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA DBA BE | 102 LYFORD DRIVE TIBURON, CA 94920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $351 | $3K | 11.46% |
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. |
| 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 238 | $533K |
| Dental | AETNA LIFE INSURANCE COMPANY | 238 | $217K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 238 | $533K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $24K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $33K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $24K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.