| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | SUTTER HEALTH AND AETNA INSURANCE | $50K | — | $50K | 3.49% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | SUTTER HEALTH AND AETNA INSURANCE | $30K | — | $30K | 2.07% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 3.05% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | KAISER FOUNDATION HEALTH PLAN | $26K | $1 | $26K | 2.99% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST, FLR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN | $0 | $1K | $1K | 0.13% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | AETNA HEALTH, INC. | $14K | — | $14K | 3.21% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA BENEFITS GROUP | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 2.50% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.08% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST 12TH FLR, SUITE 1350 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | $159 | $556 | 1.29% |
| NATIONAL BENEFIT CENTER3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $159 | $159 | 0.37% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
| VITA INSURANCE ASSOCIATES, INC.3 | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| VITA INSURANCE ASSOCIATES, INC.3 Filed as: VITA INSURANCE ASSOCIATES | 1451 GRANT ROAD, SUITE 200 MOUNTAIN VIEW, CA 94040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH AND AETNA INSURANCE | 110 | $2.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 212 | $240K |
| Vision | VISION SERVICE PLAN | 211 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $43K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.