| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | HORIZON HEALTHCARE SERVICES, INC. | $178K | $0 | $178K | 3.41% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83K | $6K | $89K | 12.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN BERKELEY HEIGHTS, NJ 07922 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.66% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.91% |
| GIS BENEFITS INC3 Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET SUITE 900 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 14.93% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD SAN FRANCISCO, CA 94131 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 13.54% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 6.94% |
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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 524 | $5.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $694K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $694K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $694K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $694K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $694K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 524 | $5.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 642 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.