| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATES, INC. | 800 AIRPORT BLVD SUITE 318 BURLINGAME, CA 94010 | METLIFE | $782K | $397K | $1.2M | 2.25% |
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATES, INC. | 800 AIRPORT BLVD SUITE 318 BURLINGAME, CA 94010 | HARTFORD LIFE & ACCIDENT | $219K | $183K | $402K | 1.61% |
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATES, INC. | 800 AIRPORT BLVD SUITE 318 BURLINGAME, CA 94010 | RELIASTAR | $192K | — | $192K | 1.92% |
| A.G. SIEBEN & ASSOCIATES3 Filed as: AG SIEBEN & ASSOCIATES, INC. | 800 AIRPORT BLVD SUITE 318 BURLINGAME, CA 94010 | CIGNA | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UHC EIN 36-2739571 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $24.3M |
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $1.4M |
| VSP CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $585K |
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 | 46,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 672 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER CALIFORNIA | 3,100 | $59.7M |
| Life insurance | METLIFE | 46,466 | $52.5M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 46,466 | $24.9M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 46,466 | $24.9M |
| Prescription drug(6 contracts, 6 carriers) | KAISER CALIFORNIA | 3,100 | $59.7M |
| Stop-loss / reinsurancereinsurance | RELIASTAR | 39,184 | $10.0M |
| Other(2 contracts, 2 carriers) | METLIFE | 46,466 | $52.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,466 | — |
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.