| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUHAMMAD ALI3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | — | $71K | 10.80% |
| MUHAMMAD ALI3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 4.87% |
| MUHAMMAD ALI3 | — | DELTA DENTAL OF CALIFORNIA | $28K | — | $28K | 10.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNMUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 7.63% |
| TYCHO INSURANCE SERVICES3 | 3080 OLCOTT ST SUITE A200 SANTA CLARA, CA 95054 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $148 | $3K | 15.75% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $3K | $14 | $3K | 15.07% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $2K | $298 | $3K | 16.93% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $2K | $214 | $2K | 16.94% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $1.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 498 | $283K |
| Vision | VISION SERVICE PLAN | 234 | $51K |
| Life insurance(2 contracts, 2 carriers) | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $172K |
| Short-term disability | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $152K |
| Long-term disability | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $152K |
| Other(5 contracts, 3 carriers) | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.