| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN, INC. | $237K | — | $237K | 2.60% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN, INC. | $136K | — | $136K | 2.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $68K | — | $68K | 3.00% |
| RAYMOND J DICK3 | 5155 WEST AVENUE M12 LANCASTER, CA 93536 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $16K | $63K | 6.71% |
| RAYMOND J DICK3 | 5155 WEST AVENUE M12 LANCASTER, CA 93536 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $17K | $60K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 745 FORT STREET SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $3K | — | $3K | 2.36% |
| DICK, RAYMOND J3 | 44824 CEDAR AVE LANCASTER, CA 93534 | SUN LIFE ASSURANCE COMPANY OF CANADA | $185 | — | $185 | 10.01% |
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 | 8,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,284 | $17.1M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 12,181 | $3.9M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 8,610 | $2.9M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,338 | $1.8M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,620 | $943K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,338 | $853K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 601 | $2.3M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 10,797 | $697K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,338 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,181 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.