| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $21K | $23K | 2.97% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 84 SOUTH FIRST STREET SAN JOSE, CA 95113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $539 | $0 | $539 | 2.13% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 402 WEST LOCKHART LANE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | 1.21% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 3171 PINERO COURT SPARKS, NV 89436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.84% |
| RICHARD G MCGOWAN3 Filed as: RICHARD E. HEMMERLING | 29614 NORTH 129TH LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.31% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 316 CROCKER STREET, UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| TIMOTHY C. QUINN AND OTHER AGENTS3 | 15866 NE 93RD WAY REDMOND, WA 98052 | AFLAC | $886 | $0 | $886 | 3.87% |
| RICHARD B MILLANG INS SVCS INC3 Filed as: RICHARD B. MILLANG INS. SVCS., INC. | 9949 VILLA GRANITO LANE GRANITE BAY, CA 95746 | AFLAC | $671 | $0 | $671 | 2.93% |
| AMY E COHEN3 Filed as: AMY A. PURVIS | 1058 FOXCHASE DRIVE, APARTMENT 369 SAN JOSE, CA 95123 | AFLAC | $231 | $0 | $231 | 1.01% |
| BALTOR INSURANCE SERVICES3 | 533 AIRPORT BOULEVARD, SUITE 400 BURLINGAME, CA 94010 | AFLAC | $209 | $0 | $209 | 0.91% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $195 | $0 | $195 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL D. EADE | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $177 | $0 | $177 | 0.77% |
| JESSICA L MILWOOD3 Filed as: JESSICA L. MILWOOD | 135 MAGNOLIA STREET STATESVILLE, NC 28677 | AFLAC | $128 | $0 | $128 | 0.56% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 275 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 343 | $775K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 343 | $775K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 343 | $823K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 343 | $823K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 343 | $798K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 275 | $2.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.