| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | CALIFORNIA PHYSICIAN'S SERVICE | $173K | — | $173K | 3.23% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRAIRE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $2K | $26K | 13.26% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $266 | $5K | 2.67% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRAIRE CREEK DRIVE CALEDONIA, MI 49316 | VISION SERVICE PLAN | $3K | — | $3K | 6.74% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD, SUITE 100 SAN JOSE, CA 95119 | VISION SERVICE PLAN | $1K | — | $1K | 3.24% |
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 | 502 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIAN'S SERVICE | 421 | $5.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 436 | $368K |
| Vision | VISION SERVICE PLAN | 335 | $38K |
| Life insurance | CALIFORNIA PHYSICIAN'S SERVICE | 421 | $5.3M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $196K |
| Other | CALIFORNIA PHYSICIAN'S SERVICE | 421 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
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.