| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITCOMPASS LLC3 | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 2.57% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | 71 HANOVER ROAD FLORHAM PARK, NJ 07932 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.40% |
| BENEFITCOMPASS LLC3 | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | GUARDIAN | $2K | $2K | $4K | 7.72% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | 7 HANOVER ROAD FLORHAM PARK, NJ 07932 | GUARDIAN | $2K | — | $2K | 4.69% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $73 | $4K | 10.15% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $344 | $7K | 19.82% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 213 | $858K |
| Dental | GUARDIAN | 221 | $52K |
| Vision | GUARDIAN | 221 | $52K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 221 | $124K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 27 | $72K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 213 | $858K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 221 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.