| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFIS BENEFITS AND INS. SERVICES3 Filed as: AFIS BENEFITS & INSURANCE SERVICES | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | MVP HEALTH CARE | $337K | $0 | $337K | 3.44% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES INC | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $0 | $49K | 1.92% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING INC | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $108K | $0 | $108K | 6.83% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $48K | $0 | $48K | 3.97% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: UBF INSURANC SERVICES INC | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $40K | $0 | $40K | 3.87% |
| ALAN FONG INSURANCE SERVICES3 Filed as: ALAN FONG INSURANCE SERVICES INC | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 0.88% |
| AFIS BENEFITS AND INS. SERVICES3 Filed as: AFIS BENEFITS & INSURANCE SERVICES | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $1K | $3K | $5K | 2.38% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF CONSULTING, INC. | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $4K | $0 | $4K | 2.25% |
| ALAN FONG INSURANCE SERVICES3 Filed as: ALAN D FONG | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.05% |
| UBF INSURANCE SERVICES, INC.3 Filed as: UBF INSURANCE SERVICES, INC | 2033 NORTH MAIN STREET SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.40% |
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 | 1,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MVP HEALTH CARE | 1,853 | $12.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,866 | $2.5M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 5,305 | $225K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,625 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,625 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,625 | $1.6M |
| Prescription drug(3 contracts, 3 carriers) | MVP HEALTH CARE | 1,853 | $12.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,625 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,305 | — |
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.