| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON AND DUGAN INS SVCS COR | 455 HICKEY BLVD, STE 416 DALY CITY, CA 94015 | AETNA LIFE INSURANCE CO. | $115K | — | $115K | 2.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | AETNA LIFE INSURANCE CO. | $60K | — | $60K | 1.31% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS SVCS | 455 HICKEY BLVD, STE 416 DALY CITY, CA 94015 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 1.31% |
| ASSUREDPARTNERS3 Filed as: JOHNSON AND DUGAN INS SVCS COR | 455 HICKEY BLVD, STE 416 DALY CITY, CA 94015 | AETNA HEALTH, INC. | $25K | — | $25K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | AETNA HEALTH, INC. | $13K | — | $13K | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $3K | — | $3K | 2.64% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS SVCS | 455 HICKEY BLVD, STE 416 DALY CITY, CA 94015 | VISION SERVICE PLAN | $2K | — | $2K | 2.36% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,178 | $7.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,178 | $4.6M |
| Vision | VISION SERVICE PLAN | 468 | $104K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,178 | $4.6M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,178 | $4.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,178 | $4.6M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 278 | $1.4M |
| Other | AETNA LIFE INSURANCE CO. | 1,178 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.