| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES, INC. | 28 EAST 3RD AVENUE SAN MATEO, CA 94401 | AETNA LIFE INSURANCE COMPANY | $678K | $16K | $694K | 4.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | $43K | $104K | 20.66% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | $0 | $22K | 4.52% |
| JIM FRENCH3 | 220 SOUTH KING STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 2.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | $0 | $1K | 2.74% |
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 | 594 | 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) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 1,580 | $17.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,580 | $17.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $502K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $502K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $502K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $502K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 1,580 | $17.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,580 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.