| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITCOMPASS LLC3 | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 3.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARNTERS INSURANCE CENTER | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 1.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE VENTURE, SUITE 220 IRINE, CA 92618 | GUARDIAN | $5K | $422 | $5K | 7.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 8.96% |
| BENEFITCOMPASS LLC3 | 19000 MACARTHUR BLVD. IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 3.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | AMERICAN FIDELITY ASSURANCE COMPANY | $521 | — | $521 | 1.54% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 31.44% |
| BENEFITCOMPASS LLC3 | 1900 MACARTHUR BLVD. IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $896 | — | $896 | 3.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | AMERICAN FIDELITY ASSURANCE COMPANY | $500 | — | $500 | 1.79% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 31.48% |
| BENEFITCOMPASS LLC3 | 19000 MACARTHUR BLVD. IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $856 | — | $856 | 3.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 511398 LOS ANGELES, CA 90051 | AMERICAN FIDELITY ASSURANCE COMPANY | $383 | — | $383 | 1.55% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 233 | $1.0M |
| Dental | GUARDIAN | 236 | $70K |
| Vision | GUARDIAN | 236 | $70K |
| Life insurance | GUARDIAN | 236 | $70K |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 23 | $86K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 23 | $86K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 233 | $1.0M |
| Other(3 contracts, 2 carriers) | GUARDIAN | 236 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.