| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT B. SUHR & COMPANY INSURANCE3 | 5300 STEVENS CREEK BLVD SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN | $28K | — | $28K | 0.42% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT B SHUR & CO INS BROKERS | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 12.58% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKER | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UDC DENTAL OF CALIFORNIA, INC, | $6K | — | $6K | 20.51% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS BROKER | 5300 STEVENS CREEK BLVD SUITE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 13.03% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD. 3RD FLOOR SAN JOSE, CA 95129 | LANDMARK HEALTHPLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROBERT B SUHR & COMPANY BROKER | Insurance agents and brokers; Other commissions Service code 22 | 5300 STEVENS CREEK BLVD THIRD FLOOR SAN JOSE, CA 95129 | $26K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 CLAIMS PROCESSOR | Claims processing; Other fees Service code 12 | — | $25K |
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 | 1,537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 1,537 | $6.7M |
| Dental | UDC DENTAL OF CALIFORNIA, INC, | 198 | $29K |
| Vision | UNION SECURITY INSURANCE COMPANY | 132 | $13K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 1,057 | $74K |
| Other | UNION SECURITY INSURANCE COMPANY | 1,057 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.