| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 0.88% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.49% |
| INNOVATIVE COST MGMT SVCS INC3 Filed as: INNOVATIVE COST MGMT SVCS, INC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $712 | — | $712 | 0.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.07% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $867 | — | $867 | 1.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 95 S MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $914 | — | $914 | 1.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 501 OFFICE CENTER DRIVE, STE 215 FORT WASHINGTON, PA 19034 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $4K | — | $4K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS DBA ICMS IN | 95 S MARKET, SUITE 600 SAN JOSE, CA 95113 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $55 | — | $55 | 4.01% |
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 | 1,145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $335K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 71 | $1K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,984 | $860K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $667K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $667K |
| Other(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,145 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,984 | — |
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.