| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $95K | — | $95K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | KAISER | $73K | — | $73K | 2.99% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | DELTA DENTAL OF CALIFORNIA | $16K | — | $16K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROD, SUITE 100 SAN JOSE, CA 95119 | LIFE INSURANCE OF NORTH AMERICA | $11K | — | $11K | 2.98% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.23% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | VISION SERVICE PLAN | $2K | — | $2K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN | 2000 MORRIS AVENUE BIRMINGHAM, AL 35203 | UNUM | $323 | — | $323 | 5.43% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD, STE 650 WALNUT CREEK, CA 94597 | UNUM | $81 | — | $81 | 1.36% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, STE 100 SAN JOSE, CA 95119 | CIGNA LIFE INSURANCE OF NY | $10 | — | $10 | 3.07% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 419 | $7.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 537 | $525K |
| Vision | VISION SERVICE PLAN | 533 | $74K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE OF NORTH AMERICA | 549 | $387K |
| Short-term disability | LIFE INSURANCE OF NORTH AMERICA | 549 | $381K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 549 | $381K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $1.1M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE OF NORTH AMERICA | 635 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.