| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICE | 430 CALIFORNIA STREET, 11TH FLOOR SAN FRANCISCO, CA 94104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | — | $86K | 20.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 10.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 3.58% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC | 2443 FILLMORE ST # 380-7361 SAN FRANCISCO, CA 94115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.79% |
| ALTERITY BROKER SOLUTIONS3 | 8777 GAINEY CENTER DR STE 100 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.09% |
| RIPPLING INSURANCE SERVICES INC3 | 300 SOUTH DUVAL ST SUITE 410 TALLAHASSEE, FL 32301 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN INC. | $861 | — | $861 | 0.82% |
| M&T BANK3 Filed as: WAVELING INSURACNE SERVICES, INC | 300 S DUVAL ST STE 410 TALLAHASSEE, FL 32301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| SBR SERVICES LLC3 | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $373 | — | $373 | 0.71% |
| TOTALIS BENEFITS3 Filed as: TOTALIS | 8777 GAINEY CENTER DR STE 100 SCOTTSDALE, AZ 85258 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $330 | — | $330 | 0.63% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | 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 | 330 | $522K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $328K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 370 | $53K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.