| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BOULEVARD MOUNTAIN VIEW, CA 94043 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $172K | — | $172K | 3.91% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BOULEVARD MOUNTAIN VIEW, CA 94043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $3K | $49K | 10.75% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES INC | 900 NORTH SHORLINE BOULEVARD MOUNTAIN VIEW, CA 94043 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 7.96% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BOULEVARD MOUNTAIN VIEW, CA 94043 | VISION SERVICE PLAN | $3K | — | $3K | 2.49% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 NORTH SHORELINE BOULEVARD MOUNTAIN VIEW, CA 94043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $775 | $11K | 10.75% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 468 | $4.4M |
| Dental | AETNA LIFE INSURANCE CO. | 855 | $353K |
| Vision | VISION SERVICE PLAN | 413 | $109K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $561K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $457K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $457K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 468 | $4.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 681 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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.