| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NUA GROUP LLC3 | 236 W PORTAL AVE SUITE 320 SAN FRANCISCO, CA 94127 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 9.92% |
| NUA GROUP LLC3 | 4100 REDWOOD ROAD 20A-506 OAKLAND, CA 946192363 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.93% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC (GA) | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 945963853 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 0.99% |
| NUA GROUP LLC3 | 236 W PORTAL AVE SUITE 320 SAN FRANCISCO, CA 94127 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.84% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.04% |
| NUA GROUP LLC3 | 4100 REDWOOD ROAD 20A-506 OAKLAND, CA 94619 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $709 | — | $709 | 2.20% |
| 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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 12 | $136K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $138K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $138K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $60K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $60K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $60K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 12 | $104K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.