| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | SUTTER HEALTH PLAN | $37K | $0 | $37K | 6.50% |
| BENEFITMALL3 | 2100 GENG ROAD, SUITE 210 OFFICE 230 PALO ALTO, CA 94303 | SUTTER HEALTH PLAN | $5K | $0 | $5K | 0.88% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 5.48% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 2.68% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.00% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $206 | $1K | 10.69% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 11.97% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 85 | $998K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $9K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 85 | $998K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.