| 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 | $111K | — | $111K | 3.00% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | KAISER | $81K | — | $81K | 2.82% |
| 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 | $13K | — | $13K | 2.49% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROD, SUITE 100 SAN JOSE, CA 95119 | LIFE INSURANCE OF NORTH AMERICA | $10K | — | $10K | 2.98% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 2.76% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | VISION SERVICE PLAN | $3K | — | $3K | 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 | $191 | — | $191 | 4.33% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD, STE 650 WALNUT CREEK, CA 94597 | UNUM | $48 | — | $48 | 1.09% |
| 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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 431 | $8.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 590 | $534K |
| Vision | VISION SERVICE PLAN | 583 | $94K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE OF NORTH AMERICA | 609 | $329K |
| Short-term disability | LIFE INSURANCE OF NORTH AMERICA | 609 | $324K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 609 | $324K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $1.1M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE OF NORTH AMERICA | 653 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.