| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | PARTNERRE AMERICA INSURANCE COMPANY | $67K | $34K | $101K | 6.00% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $6K | $47K | 5.75% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.75% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | $3K | $71K | 15.75% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $2K | $39K | 16.47% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.73% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.14% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.84% |
| GARDNER KIRBY CORPORATION3 Filed as: THE GARDNER KIRBY CORP | PO BOX 909 FAIRFIELD, CT 06430 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 15.00% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.7M |
| CRAFORD BENEFIT CONSULTANTS EIN 68-0289346 BROKER | Other commissions Service code 55 | — | $211K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 NA | Contract Administrator Service code 13 | — | $16K |
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 | 2,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 410 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,941 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 144 | $876K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $168K |
| Vision | VISION SERVICE PLAN | 1,819 | $165K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,490 | $1.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 729 | $579K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 827 | $816K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 2,395 | $1.7M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,490 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,395 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.