| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | KAISER FOUNDATION HEALTH PLAN INC | $128K | $0 | $128K | 4.89% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $74K | $0 | $74K | 8.21% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | STANDARD INSURANCE COMPANY | $0 | $32K | $32K | 3.57% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $43K | $0 | $43K | 8.91% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | STANDARD INSURANCE COMPANY | $0 | $20K | $20K | 4.17% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $9K | $92K | 41.49% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 20.32% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 14.58% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | STANDARD INSURANCE COMPANY | $0 | $401 | $401 | 5.00% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $28 | $0 | $28 | 11.91% |
| UNITED BENEFITS ADVISORS INC3 | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $0 | $1 | $1 | 0.43% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $26 | $0 | $26 | 15.12% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N CALIFORNIA BLVD STE 900 WALNUT CREEK, CA 94526 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $9 | $9 | 5.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $830K |
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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 495 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,918 | $223K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,918 | $223K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,843 | $900K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 36 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,843 | $483K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 495 | $2.6M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 4,230 | $1.7M |
| Other(2 contracts, 2 carriers) | OPTUM HEALTH & TECHNOLOGY (US), LLC | 2,276 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,230 | — |
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.