| 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 | $24K | — | $24K | 3.09% |
| BEFEFITS PLANNING SERVICE3 | 1200 QUAIL STREET SUITE 105 NEWPORT BEACH, CA 92660 | GUARDIAN | $16K | — | $16K | 4.61% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL STREET, SUITE 105 NEWPORT BEACH, CA 92660 | SYMETRA LIFE INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL STREET SUITE 105 NEWPORT BEACH, CA 92660 | EYEMED VISION CARE | $4K | — | $4K | 6.85% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL ST #105 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $19 | $3K | 17.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $365 | $365 | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $257 | — | $257 | 1.38% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PARKWAY SUITE #330 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178 | — | $178 | 0.96% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59 | — | $59 | 0.32% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5 | $5 | 0.03% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL ST SUITE 105 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $213 | $213 | 2.76% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PARKWAY SUITE #330 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 2.63% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68 | — | $68 | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | $5 | $55 | 0.71% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP LLC EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $296K |
| 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 | Other fees; Direct payment from the plan Service code 50 | — | $131K |
| WAGEWORKS EIN 94-3351864 FSA ADMIN | Claims processing Service code 12 | — | $7K |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 827 | $338K |
| Vision | EYEMED VISION CARE | 982 | $61K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,076 | $268K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,076 | $268K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,076 | $268K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 701 | $768K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,076 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.