| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $256K | $204 | $256K | 6.72% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $41K | $1K | $43K | 15.00% |
| NUA GROUP LLC3 | 201 CALIFORNIA STREET SUITE 300 SAN FRANCISCO, CA 94111 | ARMADACARE | $2K | — | $2K | 0.89% |
| ZP INSURANCE LLC3 | 525 20TH ST SAN FRANCISCO, CA 941074345 | UNITED HEALTHCARE INSURANCE COMPANY | $903 | — | $903 | 2.37% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 16.56% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | SERVICES, INC. 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 12.77% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $1K | $37 | $1K | 15.49% |
| NUA GROUP LLC3 | 201 CALIFORNIA ST STE 300 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $317 | — | $317 | 15.73% |
| NUA GROUP LLC3 Filed as: NUA GROUP | 201 CALIFORNIA ST SAN FRANCISCO, CA 94111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $26 | — | $26 | 5.06% |
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 | 618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $4.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $4.0M |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $4.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 735 | $284K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 735 | $284K |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $4.1M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.