| 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 | $70K | — | $70K | 4.00% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE STE 228 SAN JOSE, CA 95131 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.27% |
| INTO BENEFITS INC3 Filed as: INTO BEENFITS INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $24K | — | $24K | 9.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | — | UNITED CONCORDIA INSURANCE COMPANY | — | $5K | $5K | 2.10% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE #228 SAN JOSE, CA 95131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| INTOBENEFITS INC3 Filed as: INTOBENEFITS, INC. | 2051 JUNCTION AVE STE 228 SAN JOSE, CA 951312114 | VISION SERVICE PLAN | $1K | — | $1K | 4.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND | FINANCIAL SERVICES 12404 PARK CENTRAL DR STE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $1K | — | $1K | 3.94% |
| INTOBENEFITS INC3 | 2051 JUNCTION AVE #228 SAN JOSE, CA 95131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $955 | $955 | 5.00% |
| INTO BENEFITS INC3 | STE 228 2051 JUNCTION AVE SAN JOSE, CA 95131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
| INTO BENEFITS INC3 | STE 228 2051 JUNCTION AVE SAN JOSE, CA 95131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 37.01% |
| 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 | $26 | — | $26 | 1.92% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 267 | $3.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 555 | $262K |
| Vision | VISION SERVICE PLAN | 255 | $27K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $58K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2 | $1K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $19K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 306 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
No prospect flags tripped on this filing.