| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVENUE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $194K | $0 | $194K | 1.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 0.47% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVENUE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $142K | $0 | $142K | 6.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 200 FLYNN ROAD CAMARILLO, CA 93012 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $61 | $65K | 3.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.62% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 E 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC. | $42K | $0 | $42K | 2.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 0.84% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | $3K | $8K | 0.56% |
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 | 2,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,825 | $12.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 358 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,421 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,825 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.