| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | DELTA DENTAL | $4K | — | $4K | 3.46% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | — | DELTA DENTAL | $4K | — | $4K | 3.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | DELTA DENTAL | $4K | — | $4K | 3.12% |
| ALTERITY BROKER SOLUTIONS3 | — | DELTA DENTAL | $4K | — | $4K | 3.00% |
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET #380-3427 SAN FRANCISCO, CA 94115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $643 | $5K | 6.82% |
| ALTERNATY BROKER SOLUTIONS, INC.3 | 8777 N GAINEY CENTER DR. STE 26 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR. STE 26 SCOTTSDALE, AZ 85258 | STARMOUNT LIFE INSURANCE COMPANY | $710 | — | $710 | 3.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | STARMOUNT LIFE INSURANCE COMPANY | $568 | $114 | $682 | 3.45% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | 2443 FILLMORE STREET #380-3427 SAN FRANCISCO, CA 94115 | STARMOUNT LIFE INSURANCE COMPANY | $317 | — | $317 | 1.60% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 0 | $2K |
| Dental | DELTA DENTAL | 340 | $119K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 167 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $78K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.