| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHGATE BENEFITS3 Filed as: NORTHGATE BENEFITS AND INSURANCE | 384 BEL MARIN KEYS BLVD SUITE 135 NOVATO, CA 94949 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | $0 | $19K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 800 COFFEEN AVENUE SHERIDAN, WY 82801 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3533 GABEL ROAD BILLINGS, MT 59102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.58% |
| NORTHGATE BENEFITS3 Filed as: NORTHGATE BENEFITS AND INSURANCE | 384 BEL MARIN KEYS BLVD SUITE 135 NOVATO, CA 94949 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.50% |
| NORTHGATE BENEFITS3 Filed as: NORTHGATE BENEFITS AND INSURANCE | 384 BEL MARIN KEYS BLVD SUITE 135 NOVATO, CA 94949 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 4.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3533 GABEL ROAD BILLINGS, MT 59102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 4.51% |
| N-GAGE LLC3 Filed as: N-GAGE | 7325 JANES AVENUE WOODRIDGE, IL 60517 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.27% |
| NORTHGATE BENEFITS3 Filed as: NORTHGATE BENEFITS AND INSURANCE | 384 BEL MARIN KEYS BLVD SUITE 135 NOVATO, CA 94949 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 800 COFFEEN AVENUE SHERIDAN, WY 82801 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTHGATE BENEFITS AND INSURANCE ADMINISTRATORS | Contract Administrator Service code 13 | 384 BEL MARIN KEYS BLVD SUITE 135 NOVATO, CA 94949 | $86K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Contract Administrator; Other commissions Service code 13 | — | $63K |
| HUB INTERNATIONAL ADMINISTRATORS | Contract Administrator Service code 13 | 3533 GABEL ROAD BILLINGS, MT 59102 | $56K |
| N-GAGE, LLC. ADMINISTRATORS | Contract Administrator Service code 13 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | $7K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 228 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $591K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $591K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $591K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $591K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.