| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CALIFORNIA PHYSICIANS' SERVICE | $135K | $101 | $135K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 142 SANSOME STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | CALIFORNIA PHYSICIANS' SERVICE | $49K | $0 | $49K | 0.65% |
| PBG INSURANCE SERVICES INC3 | 142 SANSOME STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | CALIFORNIA PHYSICIANS' SERVICE | $36K | $0 | $36K | 0.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 1.86% |
| PRESIDIO BENEFITS GROUP, INC.3 | 142 SANSOME STREET 4TH FLOOR SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 1.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $968 | $0 | $968 | 0.75% |
| PRESIDIO BENEFITS GROUP, INC.3 Filed as: PRESIDIO BENEFITS GROUP, INC | 201 CALIFORNIA STREET SUITE 900 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $788 | $0 | $788 | 0.61% |
| PRESIDO BENEFITS GROUP INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.09% |
| PRESIDIO BENEFITS GROUP, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| RICHTER INTERNATIONAL CONSULTING3 | 317 NW GILMAN BOULEVARD, SUITE 51 ISSAQUAH, WA 98027 | FEDERAL INSURANCE COMPANY | $630 | $0 | $630 | 15.00% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 986 | $8.2M |
| Vision | VISION SERVICE PLAN | 420 | $129K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $558K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $558K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $558K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 986 | $8.2M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.