| 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 AND AFFILIATES | $63K | $0 | $63K | 1.51% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $62K | $0 | $62K | 1.49% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | KAISER FOUNDATION HEALTH PLAN INC | $50K | $0 | $50K | 1.73% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | KAISER FOUNDATION HEALTH PLAN INC | $42K | $0 | $42K | 1.45% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | DELTA DENTAL OF CALIFORNIA | $9K | $0 | $9K | 1.52% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | DELTA DENTAL OF CALIFORNIA | $8K | $0 | $8K | 1.48% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 1.83% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 1100 LARKSPUR LANDING CIRCLE SUITE 180 LARKSPUR, CA 94939 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.17% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.91% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.44% |
| KUHN INSURANCE SERVICES, INC.3 | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.52% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.48% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $280 | $0 | $280 | 1.29% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 3.63% |
| PORTAL INSURANCE AGENCY, INC.3 | 1277 TREAT BOULEVARD, SUITE 650 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.91% |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 351 | $7.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 943 | $564K |
| Vision | VISION SERVICE PLAN | 564 | $99K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $396K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $396K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $391K |
| Prescription drug(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 351 | $7.4M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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.