| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES. | 3925 BOHANNON DRIVE, SUITE A MENLO PARK, CA 94025 | AETNA LIFE INSURANCE CO. | $207K | — | $207K | 1.27% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA DBA | PROCO INSURANCE SERVICES 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | AETNA LIFE INSURANCE CO. | $164K | — | $164K | 1.01% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES | 3925 BOHANNON DR., STE. 100 MENLO PARK, CA 94025 | KAISER FOUNDATION HEALTH PLAN INC | $35K | — | $35K | 1.77% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 1.38% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES. | PO BOX 2540 MENLO PARK, CA 94026 | UNION SECURITY INSURANCE COMPANY | $61K | — | $61K | 5.01% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES | 3925 BOHANNON DRIVE SUITE A MENLO PARK, CA 94025 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 4.05% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES. | 3925 BOHANNON DRIVE, SUITE A MENLO PARK, CA 94025 | AETNA HEALTH, INC. | $7K | — | $7K | 1.19% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | PROCO INSURANCE SERVICES 3925 BOHANNON DRIVE, SUITE 100 MENLO PARK, CA 94025 | AETNA HEALTH, INC. | $5K | — | $5K | 0.83% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SVCES | 3925 BOHANNON DR. STE. 100 MENLO PARK, CA 94025 | VISION SERVICE PLAN | $2K | — | $2K | 0.80% |
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 | 2,444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,444 | $19.9M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,383 | $2.3M |
| Vision | VISION SERVICE PLAN | 1,377 | $239K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,444 | $16.2M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 2,444 | $16.2M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,444 | $16.2M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 423 | $2.6M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,444 | $16.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,444 | — |
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.