| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS & KESMODEL INSURANCE SERVICES | 228 BROOKHOLLOW DR OLD HICKORY, TN 37138 | BLUE CROSS OF CALIFORNIA | $0 | $15K | $15K | 2.36% |
| AMWINS Filed as: LISI LLC | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $7K | $7K | 1.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.46% |
| LEWIS & KESMODEL INSURANCE SERVICES3 | 900 HOWE AVENUE STE 220 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $531 | $0 | $531 | 4.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | $0 | $466 | — |
| LEWIS & KESMODEL INSURANCE SERVICES3 | 900 HOWE AVENUE STE 220 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $204 | $0 | $204 | — |
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. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 110 | $651K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $0 |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 110 | $651K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.