| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 | — | KAISER | $21K | — | $21K | 3.45% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | — | DELTA DENTAL | $20K | — | $20K | 10.00% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | — | METLIFE | $7K | — | $7K | 11.69% |
| ALTERITY BROKER SOLUTIONS3 | — | METLIFE | $3K | $62 | $3K | 4.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator; Claims processing Service code 12 | — | $136K |
| NFP CA INSURANCE SERVICES INC EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $132K |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 310 | $1.5M |
| Dental | DELTA DENTAL | 270 | $203K |
| Vision | VISION SERVICE PLAN | 275 | $39K |
| Life insurance | METLIFE | 270 | $64K |
| Short-term disability | METLIFE | 270 | $64K |
| Long-term disability | METLIFE | 270 | $64K |
| Other | METLIFE | 270 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.