| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | — | STARMOUNT LIFE INS CO | $15K | $5K | $19K | 2.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | STARMOUNT LIFE INS CO | $14K | $3K | $17K | 2.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER | $13K | — | $13K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY | — | KAISER | -$59 | — | -$59 | -0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER | $7K | — | $7K | 1.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $17K | $1K | $19K | 12.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $17K | $1K | $18K | 12.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNUM | $9K | $684 | $10K | 12.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $11K | $527 | $11K | 18.76% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $5K | $637 | $5K | 12.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $2K | $268 | $2K | 5.36% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $4K | $568 | $4K | 12.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $1K | $173 | $1K | 4.27% |
| LEGAL BENEFITS STOLTZ LLC4 Filed as: LEGAL BENEFITS STOLTZ, LLC | — | LEGALSHIELD | $2K | — | $2K | 8.50% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CA | — | LEGALSHIELD | $2K | — | $2K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 TPA | Claims processing Service code 12 | — | $781K |
| OPTUM, INC EIN 33-0441200 CLAIMS PROCESSING | Claims processing Service code 12 | — | $51K |
| WEX EIN 06-1593514 FSA TPA | Contract Administrator; Claims processing Service code 12 | — | $27K |
| UNUM EIN 01-0278678 TPA | Claims processing; Contract Administrator Service code 12 | — | $17K |
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 | 1,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER | 109 | $1.0M |
| Dental | STARMOUNT LIFE INS CO | 912 | $663K |
| Vision | STARMOUNT LIFE INS CO | 912 | $663K |
| Life insurance(2 contracts) | UNUM | 1,181 | $215K |
| Long-term disability | UNUM | 90 | $145K |
| Prescription drug(2 contracts) | KAISER | 109 | $1.0M |
| Other(6 contracts, 2 carriers) | UNUM | 1,181 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.