| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 3.34% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 13.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.04% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$566 | — | -$566 | -2.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DIARY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.63% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 SECOND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $843 | — | $843 | 8.47% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 SECOND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $649 | — | $649 | 6.52% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 15.00% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC DBA ZENEFITS FTW IN | 303 SECOND STREET SUITE 401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF VIRGINIA | $283 | — | $283 | 5.36% |
| PARKER CONRAD3 | 303 SECOND STEET SUITE 401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF VIRGINIA | $80 | — | $80 | 1.51% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | LINCOLN FINANCIAL GROUP | $293 | $14 | $307 | 15.71% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $526K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $496K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $490K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $10K |
| Short-term disability(2 contracts) | LINCOLN FINANCIAL GROUP | 19 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $28K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.