| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | KAISER FOUNDATION HEALTH PLAN, INC. | $48K | $0 | $48K | 4.44% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $32K | $0 | $32K | 9.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, CA 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $16K | $16K | 4.97% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $391 | $20K | 10.20% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.74% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 9.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, CA 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 8.26% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 118 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 227 | $318K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $195K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $105K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $195K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $195K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 118 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.