| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NUA GROUP LLC3 | 901 BATTERY STREET 4TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $259K | — | $259K | 1.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE CO. | $173K | — | $173K | 1.09% |
| NUA GROUP LLC3 | 201 CALIFORNIA STREET SUITE 300 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $85K | — | $85K | 0.53% |
| NUA GROUP LLC3 Filed as: NUA GROUP | 201 CALIFORNIA STREET SUITE 300 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $3K | — | $3K | 3.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $619 | — | $619 | 0.65% |
| RSC INSURANCE BROKERAGE INC3 | 1400 ROCKY RIDGE DRIVE SUITE 280 ROSEVILLE, CA 95661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 20.64% |
| NUA GROUP LLC3 | 901 BATTERY STREET SUITE 402 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $853 | — | $853 | 1.12% |
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 | 947 | 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) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,824 | $15.9M |
| Dental | AETNA LIFE INSURANCE CO. | 1,824 | $15.9M |
| Vision | VISION SERVICE PLAN | 787 | $95K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,824 | $15.9M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,824 | $15.9M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,824 | $15.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,824 | $16.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,824 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.