| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J GARD BENEFIT CONSULTANTS LLC3 | 5040 E SHEA BLVD STE 160 SCOTTSDALE, AZ 85254 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 5.12% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 34402 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.61% |
| J GARD BENEFIT CONSULTANTS LLC3 | 5040 E SHEA BLVD STE 160 SCOTTSDALE, AZ 85254 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 4.64% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 1.25% |
| JASON GARD3 Filed as: JASON TIMOTHY GARD | 10645 N TATUM BLVD STE 200-403 PHOENIX, AZ 85028 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 11.59% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAFF BENEFITS MANAGEMENT, INC EIN 81-1242192 TPA | Plan Administrator Service code 14 | — | $6K |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 68 | $576K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 214 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.