| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | — | CIGNA | $1K | — | $1K | 0.18% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | — | STARMOUNT LIFE | $14K | $699 | $15K | 12.20% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS,INC | — | STARMOUNT LIFE | — | $7K | $7K | 5.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $7K | — | $7K | 17.23% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | — | GUARDIAN | $2K | — | $2K | 5.00% |
| RIPPLING INSURANCE SERVICES INC3 | — | GUARDIAN | $1K | — | $1K | 3.56% |
| RIPPLING INSURANCE SERVICES INC3 | — | KAISER HI | $30 | — | $30 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 TPA | Contract Administrator Service code 13 | — | $62K |
| NFP CA INSURANCE SERVICES INC EIN 94-2741175 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| RIPPLING INSURANCE SERVICES INC EIN 82-2575867 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 312 | $611K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE | 270 | $165K |
| Vision | STARMOUNT LIFE | 168 | $123K |
| Life insurance | GUARDIAN | 270 | $41K |
| Short-term disability | GUARDIAN | 270 | $41K |
| Prescription drug | KAISER HI | 2 | $857 |
| Other | GUARDIAN | 270 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.