| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES, INC. | 28 EAST 3RD AVENUE SAN MATEO, CA 94401 | AETNA LIFE INSURANCE COMPANY | — | $13K | $13K | 0.68% |
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES, INC. | 28 EAST 3RD AVENUE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.78% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | $177 | $381 | 0.27% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES, INC. | 5214 DIAMOND HEIGHTS BLVD. SAN FRANCISCO, CA 94131 | VISION SERVICE PLAN | $747 | — | $747 | 3.33% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $136 | — | $136 | 0.61% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 398 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 448 | $181K |
| Vision | VISION SERVICE PLAN | 182 | $22K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $116K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $116K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $116K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 398 | $1.9M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.