| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | CALIFORNIACHOICE | $16K | — | $16K | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $410 | $410 | 2.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 0.83% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $535 | — | $535 | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $112 | $112 | 2.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 0.90% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $527 | — | $527 | 10.01% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $172 | $172 | 3.27% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $92 | $92 | 1.75% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $767 | — | $767 | 15.01% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $166 | $166 | 3.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $90 | $90 | 1.76% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $710 | — | $710 | 15.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $675 | — | $675 | 15.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | VSP (COPOWER) | $348 | — | $348 | 9.99% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $263 | — | $263 | 9.98% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $91 | $91 | 3.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40 | $40 | 1.52% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 41 | $320K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $24K |
| Vision | VSP (COPOWER) | 37 | $3K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $5K |
| Prescription drug | CALIFORNIACHOICE | 41 | $320K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.