| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE L. KITTINGER3 Filed as: CHRISTINE L KITTINGER | 6472 CAMDEN AVE STE 204 SAN JOSE, CA 95120 | HARTFORD LIFE AND ACCIDENT | $16K | $26K | $42K | 1.07% |
| WILLIAM J. METZGER3 Filed as: WILLIAM J METZGER | 1562 MONTEVAL LANE SAN JOSE, CA 95120 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 0.10% |
| CHRISTINE L. KITTINGER3 Filed as: CHRISTINE L KITTINGER | 6472 CAMDEN AVE STE 204 SAN JOSE, CA 95120 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | $0 | $4K | 0.18% |
| CHRISTINE L. KITTINGER3 Filed as: CHRISTINE L KITTINGER | 6472 CAMDEN AVE STE 204 SAN JOSE, CA 95120 | VISION SERVICE PLAN | $270 | $0 | $270 | 0.07% |
| CHRISTINE L. KITTINGER3 Filed as: CHRISTINE L KITTINGER | 6472 CAMDEN AVE STE 204 SAN JOSE, CA 95120 | HARTFORD LIFE AND ACCIDENT | -$2K | $0 | -$2K | -2.13% |
| CHRISTINE L. KITTINGER3 Filed as: CHRISTINE L KITTINGER | 6472 CAMDEN AVE STE 204 SAN JOSE, CA 95120 | METLIFE LEGAL PLANS, INC. | $14K | $0 | $14K | 11.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENNSYLVANIA, | LLC 1301 GRANDVIEW AVE PITTSBURGH, PA 15211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.96% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PENNSYLVANIA, | LLC 1301 GRANDVIEW AVE PITTSBURGH, PA 15211 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 3,713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 923 | $6.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 38 | $40K |
| Vision | VISION SERVICE PLAN | 3,069 | $369K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,717 | $3.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,717 | $3.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,717 | $3.9M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 923 | $6.3M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 3,717 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,717 | — |
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."
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.