| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.58% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.19% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 WEST GLENOAKS BLVD. GLENDALE, CA 91202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 136 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $99K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $99K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $10K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $99K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 136 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.