| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | BLUE CROSS OF CALIFORNIA | $123K | — | $123K | 2.53% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 2.53% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $3K | — | $3K | 2.73% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | COMPSYCH | $1K | — | $1K | 5.44% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $480 | — | $480 | 10.00% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $422 | — | $422 | 10.00% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 591 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $116K |
| Vision | VISION SERVICE PLAN | 633 | $92K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 633 | $148K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 633 | $128K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 633 | $132K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 591 | $4.9M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,138 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.