| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | KAISER FOUNDATION | $20K | — | $20K | 3.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $6K | $1 | $6K | 1.20% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | KAISER FOUNDATION | $3K | — | $3K | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | KAISER FOUNDATION | $1K | — | $1K | 1.21% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | CIGNA | $2K | $468 | $2K | 4.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $2K | — | $2K | 2.92% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | CIGNA | $349 | — | $349 | 3.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $171 | — | $171 | 1.64% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | CIGNA | $46 | — | $46 | 3.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $22 | — | $22 | 1.62% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | CIGNA | $19 | — | $19 | 3.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $9 | — | $9 | 1.60% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES INSURANCE | — | CIGNA | $3 | — | $3 | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | CIGNA | $2 | — | $2 | 2.02% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION | 48 | $608K |
| Dental(5 contracts) | CIGNA | 80 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.