| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 1100 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $787 | $787 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 28932 FRESNO, CA 93729 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2121 NORTH CALIFORNIA BOULEVARD SUITE 1100 WALNUT CREEK, CA 94596 | AFLAC | $867 | $0 | $867 | 2.83% |
| MJ INSURANCE3 Filed as: DANIEL GRIFFIN AND VARIOUS AGENTS | 104 BURGANDY COURT MARTINEZ, CA 94553 | AFLAC | $643 | $0 | $643 | 2.10% |
| MATT SMITH3 | 1746 28TH AVENUE SAN FRANCISCO, CA 94122 | AFLAC | $518 | $0 | $518 | 1.69% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 108 MADRONE AVENUE SAN FRANCISCO, CA 94127 | AFLAC | $382 | $0 | $382 | 1.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $160 | $0 | $160 | 0.52% |
| JUDI JONES3 | 4583 HARMONY PLACE ROHNERT PARK, CA 94928 | AFLAC | $117 | $0 | $117 | 0.38% |
| TRULY B. PINEDA3 Filed as: TRULY PINEDA | 3665 MOUNT ACADIA BOULEVARD SAN DIEGO, CA 92111 | AFLAC | $101 | $0 | $101 | 0.33% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 155 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 274 | $166K |
| Vision | VISION SERVICE PLAN | 122 | $39K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 121 | $32K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 121 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 155 | $1.6M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 152 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.