| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC. | 303 2ND ST SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | $38K | $5K | $43K | 4.37% |
| INSURE YOUR PEOPLE LLC3 | 40 EAST RIO SALADO PARKWAY #900 TEMPE, AZ 85281 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | $11K | — | $11K | 1.12% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL | 501 FAIRMOUNT AVE, SUITE 400 TOWSON, MD 21284 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | — | $8K | $8K | 0.83% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 7.66% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PARKWAY #900 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.15% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 24402 DEPT LN PASADENA, CA 91185 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $11K | 11.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $112 | — | $112 | 0.11% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $175 | $1K | 14.20% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PARKWAY #900 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $407 | — | $407 | 3.89% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 77 | $976K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $100K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $115K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.