| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRICITY INSURANCE SOLUTIONS, LLC3 Filed as: CENTRICITY INSURANCE SOLUTIONS LLC | 201 N CIVIC DRIVE, SUITE 245 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 2.09% |
| CENTRICITY INSURANCE SOLUTIONS, LLC3 Filed as: CENTRICITY INSURANCE SOLUTIONS LLC | 201 N CIVIC DRIVE, SUITE 245 WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.22% |
| AMWINS3 Filed as: LISI LLC | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.12% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.10% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $12 | $12K | 18.60% |
| CENTRICITY INSURANCE SOLUTIONS, LLC3 Filed as: CENTRICITY INSURANCE SOLUTIONS LLC | 201 N CIVIC DRIVE, SUITE 245 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 14.03% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $50 | $3K | 4.79% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 72.63% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 526 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 391 | $178K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 391 | $178K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $67K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $14K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $67K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 526 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.