| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 940251055 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 4.06% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 105321253 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.86% |
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 940251055 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.79% |
| INTERNATIONAL PROINSURANCE SVCS LLC3 Filed as: INTERNATIONAL PROINSURANCE SVCS | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 16.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN SVCS | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY | $418 | $38 | $456 | 2.84% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $722K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 119 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 119 | $16K |
| Other | UNUM LIFE INSURANCE COMPANY | 119 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.