| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS STREET, SUITE G BENICIA, CA 945102950 | WESTPORT INSURANCE CORPORATION | $26K | — | $26K | 5.26% |
| BEFEFITS PLANNING SERVICE3 | 1200 QUAIL STREET SUITE 105 NEWPORT BEACH, CA 92660 | GUARDIAN | $14K | — | $14K | 5.00% |
| BENEFITS PLANNING SERVICE3 | 5020 CAMPUS DR NEWPORT BEACH, CA 92660 | SYMETRA LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL STREET SUITE 105 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $4K | — | $4K | 7.45% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL ST #105 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $327 | $65 | $392 | 2.40% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PARKWAY SUITE #330 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $222 | — | $222 | 1.36% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74 | — | $74 | 0.45% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.10% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL ST SUITE 105 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PARKWAY SUITE #330 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | — | $653 | 5.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $267 | $13 | $280 | 2.26% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $218 | — | $218 | 1.76% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $270K |
| BENEFITS PLANNING SERVICE EIN 33-0421912 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $156K |
| CIGNA HEALTH & LIFE COMPANY EIN 59-1031071 PPO & UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $119K |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 768 | $277K |
| Vision | EYEMED VISION CARE | 934 | $58K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,006 | $251K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,006 | $251K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,006 | $251K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 716 | $498K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,006 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.