| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NUA GROUP LLC3 | 901 BATTERY ST. STE. 402 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $70K | $70K | 4.81% |
| KERR, WELDON G3 | RBG SAN JOSE 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS' SERVICE | $26K | $1K | $27K | 1.86% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 10.29% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $8K | 2.83% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.17% |
| NUA GROUP LLC3 | 4100 REDWOOD ROAD 20A-506 OAKLAND, CA 946192363 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 5.32% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC (GA) | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 1.18% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL | SERVICES, INC. 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN, INC. | -$387 | $121 | -$266 | -0.19% |
| NUA GROUP LLC3 | 4100 REDWOOD ROAD 20A-506 OAKLAND, CA 94619 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $869 | $100 | $969 | 2.70% |
| NUA GROUP LLC3 | 236 W PORTAL AVE #320 SAN FRANCISCO, CA 94127 | METLIFE LEGAL PLANS | $710 | — | $710 | 8.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL | SERVICES, INC. 777 MARINERS ISLAND BLVD. SUITE 250 SAN MATEO, CA 94404 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 240 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $298K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $298K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $298K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 240 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.