"A total of 80,438 private-sector employers reported in their most recent [Form 5500] filing that they offer some type of health benefit ... 43% of all benefit funding arrangements that included health benefits were fully-insured plans.... Kaiser ranked highest with an aggregate total of almost 4.7 million insured across 10,689 contracts.... [B]rokers and agents received nearly $3 billion in fees and commissions for assisting with sales of various health and welfare benefit products, inclusive of health, HMO, and PPO contracts. Twenty-two percent of all broker compensation was for business in the state of California."