| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTOBENEFITS INC3 Filed as: INTOBENEFITS INC. | 2051 JUNCTION AVE STE 228 SAN JOSE, CA 951312114 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 3.92% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE STE 228 SAN JOSE, CA 951312114 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 3.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST FL 6 NEW YORK, NY 102810001 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6K | — | -$6K | -0.46% |
| INTO BENEFITS INC3 Filed as: INTO BEENFITS INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $21K | — | $21K | 9.94% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE #228 SAN JOSE, CA 95131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE STE 228 SAN JOSE, CA 95131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.77% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE #228 SAN JOSE, CA 95131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $773 | $773 | 5.00% |
| INTO BENEFITS INC3 | STE 228 2051 JUNCTION AVE SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $694 | — | $694 | 16.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST,INC. | ONE WORLD FINANCIAL CTR 6TH FL 200 LIBERTY ST NEW YORK, NY 10281 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $120 | $1K | 110.24% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 223 | $2.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 375 | $213K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 322 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $45K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $1K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $15K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.