| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 | 2443 FILLMORE STREET SUITE 380-7361 SAN FRANCISCO, CA 94115 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 4047 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.30% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | 2443 FILLMORE STREET SUITE 380-736 SAN FRANCISCO, CA 94115 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 8.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 803 LOS ALAMOS, CA 93440 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.80% |
| ALTERITY GROUP3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $944 | $0 | $944 | 0.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $232 | $0 | $232 | 0.17% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $931K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $140K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $140K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.