| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD SUITE 200 MOUNTAIN VIEW, CA 94040 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | $6K | $98K | 13.41% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT RD, SUITE 200 MOUNTAIN VIEW, CA 94040 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $5 | $13K | 2.61% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT RD, SUITE 200 MOUNTAIN VIEW, CA 94040 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 2.96% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT RD, SUITE 200 MOUNTAIN VIEW, CA 94040 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 10.47% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT RD, SUITE 200 MOUNTAIN VIEW, CA 94040 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $14 | $22 | $36 | 2.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMI | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $88K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $0 |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 251 | $373K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $328K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $328K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $329K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $328K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.