| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT B SUHR & CO INSURANCE BROKER | — | KAISER FOUNDATION HEALTH PLAN INC | $52K | — | $52K | 3.09% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | — | KAISER FOUNDATION HEALTH PLAN INC | $29 | $4K | $4K | 0.23% |
| ROBERT B SUHR & COMPANY INS BROKERS3 Filed as: ROBERT B SUHR COMPANY INS BROKERS | 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 6.45% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER CO | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $1K | $38K | 5.22% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | — | VISION SERVICE PLAN | $2K | — | $2K | 1.75% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA | INSURANCE BROKERS 5300 STEVENS CREEK BLVD 3RD FL SAN JOSE, CA 95129 | VISION SERVICE PLAN | $196 | — | $196 | 0.19% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT B SUHR & CO INS | — | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 13.25% |
| WOODRUFF-SAWYER & CO3 | — | HARTFORD LIFE AND ACCIDENT | -$82 | — | -$82 | -0.08% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF | CA ACRISURE CO 5300 STEVENS CREEK BLVD., STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 15.01% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA INSURANCE | — | PREMIER ACCESS INSURANCE COMPANY | $12K | — | $12K | 32.59% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CA INSURANCE | — | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF | CA ACRISURE CO 5300 STEVENS CREEK BLVD STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 35.15% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK INS SERVICES OF | CA ACRISURE CO 5300 STEVENS CREEK BLVD., STE 300 SAN JOSE, CA 95129 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 35.50% |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 502 | $2.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,012 | $36K |
| Vision | VISION SERVICE PLAN | 448 | $103K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 445 | $149K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 445 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $99K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 502 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.