| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAY HEALTH INSURANCE AGENCY, INC.3 | PO BOX 411375 SAN FRANCISCO, CA 92766 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | $0 | $79K | 3.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 2251 DOUGLAS BOULEVARD, SUITE 115 ROSEVILLE, CA 91446 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.19% |
| BAY HEALTH INSURANCE AGENCY, INC.3 | 345 VERMONT STREET, SUITE B SAN FRANCISCO, CA 94103 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 3.44% |
| BAY HEALTH INSURANCE AGENCY, INC.3 | 1600 BRYANT STREET SAN FRANCISCO, CA 94141 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 7.90% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5510 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.48% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $371K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $371K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $371K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $371K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $3.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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.