| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 55 2ND STREET SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $61K | $61K | 3.31% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $36K | $36K | 1.95% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 10.00% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET SUITE 380-7361 SAN FRANCISCO, CA 94115 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $262 | $5K | 8.86% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, CA 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $63 | $2K | 3.35% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $784 | $0 | $784 | 1.46% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 2443 FILLMORE STREET SUITE 380-7361 SAN FRANCISCO, CA 94115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $684 | $236 | $920 | 3.62% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, CA 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $777 | — | $777 | 3.06% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $722 | $0 | $722 | 2.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $494 | — | $494 | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $451 | — | $451 | 1.77% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 248 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 252 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $54K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $54K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $54K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 248 | $1.8M |
| Other(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 248 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.