| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | MEDICAL RISK MANAGEMENT | $0 | $0 | $0 | 0.00% |
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.30% |
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | KAISER PERMANENTE | $1K | $0 | $1K | 5.01% |
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY | $524 | — | $524 | 14.99% |
| ISU INSURANCE CHEUNG & ASSOC, INC | 1879 LUNDY AVE., SUITE 222 SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 10.02% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL RISK MANAGEMENT | 192 | $431K |
| Dental | MEDICAL RISK MANAGEMENT | 192 | $406K |
| Vision | MEDICAL RISK MANAGEMENT | 192 | $406K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $76K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $76K |
| Prescription drug | MEDICAL RISK MANAGEMENT | 192 | $406K |
| Stop-loss / reinsurancereinsurance | MEDICAL RISK MANAGEMENT | 192 | $406K |
| Other(3 contracts, 2 carriers) | MEDICAL RISK MANAGEMENT | 208 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
No prospect flags tripped on this filing.