| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAY HEALTH INSURANCE AGENCY, INC.3 | 675 HAMPSHIRE STREET SAN FRANCISCO, CA 94110 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 2.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 1.09% |
| BAY HEALTH INSURANCE AGENCY, INC.3 | 345 VERMONT STREET SAN FRANCISCO, CA 94103 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 1.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 0.51% |
| BAY HEALTH INSURANCE AGENCY, INC.3 | PO BOX 411375 SAN FRANCISCO, CA 94141 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 3.03% |
| BAY HEALTH INSURANCE AGENCY, INC.3 | PO BOX 411375 SAN FRANCISCO, CA 94141 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 6.67% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 8000 NORMAN CENTER DRIVE, SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 2.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PARKWAY WEST 16TH BUILDING, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.52% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 286 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $385K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $385K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $385K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $385K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 286 | $3.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.