| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $431K | — | $431K | 3.19% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | MVP HEALTH CARE | $272K | — | $272K | 2.79% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 1.97% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING INC. | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127K | — | $127K | 10.00% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | BLUE CROSS OF CALIFORNIA | $49K | — | $49K | 3.99% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 946082025 | KAISER FOUNDATION HEALTH PLAN INC. | $54K | — | $54K | 4.84% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | CIGNA HEALTHCARE OF CALIFORNIA | $8K | — | $8K | 2.98% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | MVP HEALTH CARE | $5K | — | $5K | 4.43% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | EYEMED VISION CARE | $3K | — | $3K | 3.00% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | EYEMED VISION CARE | $1K | — | $1K | 2.97% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.95% |
| AFIS BENEFITS3 | 5858 HORTON STREET SUITE 350 EMERYVILLE, CA 94608 | VISION SERVICE PLAN | $2K | — | $2K | 4.31% |
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 | 2,095 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,115 | $26.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,346 | $2.2M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 3,419 | $192K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,095 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,095 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,095 | $1.3M |
| Prescription drug(6 contracts, 5 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,115 | $26.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,095 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,346 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.