| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $140K | $4K | $145K | 7.55% |
| SFG EMPLOYEE BENEFITS3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | — | -$2 | -0.00% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $72K | — | $72K | 3.93% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $10K | — | $10K | 3.35% |
| ACCESSEHR INSURANCE SERVICES3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 4.10% |
| SFG EMPLOYEE BENEFITS3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 11.20% |
| SFG EMPLOYEE BENEFITS3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $508 | — | $508 | 11.18% |
| SFG EMPLOYEE BENEFITS3 | 2300 CONTRA COSTA BLVD., SUITE 520 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $240 | — | $240 | 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 | 2,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 4,407 | $24.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $83K |
| Vision | VISION SERVICE PLAN | 2,318 | $284K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,535 | $1.9M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,535 | $1.9M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,535 | $2.0M |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 4,407 | $24.8M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,535 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,407 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.