| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINET HR III, INC.3 | 1100 SAN LEANDRO BLVD. SAN LEANDRO, CA 94577 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | D/B/A AON CONSULTING OF NEW JERSEY 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE FLOOR 212 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21 FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $141K | $141K | 0.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $431K | $117K | $548K | 2.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $127K | $175K | $302K | 1.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN | $51 | — | $51 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - TAMPA | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN | $15 | — | $15 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - TAMPA | PO BOX 905494 CHARLOTTE, NC 282905494 | KAISER FOUNDATION HEALTH PLAN INC. | $493 | — | $493 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $439 | — | $439 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | — | $98K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 10.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARMANINO MCKENNA LLP EIN 94-6214841 NONE | Accounting (including auditing) Service code 10 | — | $56K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
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 | 220,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,236 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(92 contracts, 27 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146,608 | $1.1B |
| Dental(7 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 146,608 | $96.3M |
| Vision(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 146,608 | $91.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 263,479 | $41.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 165,174 | $34.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 165,174 | $34.6M |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 85,224 | $668.6M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317,794 | $44.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317,794 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.