| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.G. SIEBEN & ASSOCIATES3 | 800 AIRPORT BLVD STE 318 BURLINGAME, CA 940101919 | METLIFE | $737K | $397K | $1.1M | 2.30% |
| A.G. SIEBEN & ASSOCIATES3 | 800 AIRPORT BLVD STE 318 BURLINGAME, CA 940101919 | HARTFORD LIFE & ACCIDENT | $219K | $172K | $391K | 1.78% |
| A.G. SIEBEN & ASSOCIATES3 | 800 AIRPORT BLVD STE 318 BURLINGAME, CA 940101919 | RELIASTAR | $372K | $0 | $372K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UHC EIN 36-2739571 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $20.6M |
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $1.5M |
| VSP CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $597K |
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 | 47,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 937 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER - CALIFORNIA | 6,675 | $51.2M |
| Life insurance | METLIFE | 47,502 | $49.3M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 47,502 | $22.0M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 47,502 | $22.0M |
| Prescription drug(6 contracts, 6 carriers) | KAISER - CALIFORNIA | 6,675 | $51.2M |
| Stop-loss / reinsurancereinsurance | RELIASTAR | 40,271 | $18.6M |
| Other(2 contracts, 2 carriers) | METLIFE | 48,909 | $49.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,909 | — |
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."
No prospect flags tripped on this filing.