| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $477 | $41K | $42K | 4.20% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | $260 | $18K | $18K | 1.81% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 3.26% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 1.68% |
| SFG EMPLOYEE BENEFITS3 | 300 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 3.60% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC. | $757 | — | $757 | 1.15% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $658 | $3K | 18.90% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.06% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $845 | — | $845 | 6.49% |
| ACCESSEHR INSURANCE SERVICES3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $457 | — | $457 | 3.51% |
| AMERICAN WORKSITE INS. MARKETING3 | 1365 WEST VISTA WAY, SUITE 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | — | $47 | 3.31% |
| SFG EMPLOYEE BENEFITS3 | 3000 OAK ROAD, SUITE 220 WALNUT CREEK, CA 94597 | TRANSAMERICA LIFE INSURANCE COMPANY | $15 | — | $15 | 1.06% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 90 | $1.3M |
| Vision | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 90 | $995K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $28K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 4 | $1K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 90 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.