| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $64K | $0 | $64K | 3.84% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | LINCOLN NATIONAL INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.22% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.97% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $935 | — | $935 | 6.10% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.51% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 179 | $1.7M |
| Dental | LINCOLN NATIONAL INSURANCE COMPANY | 125 | $89K |
| Vision | VISION SERVICE PLAN | 124 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $19K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 126 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.