| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | COMMUNITY INSURANCE COMPANY | $31K | — | $31K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 GRANDVIEW HEIGHTS, OH 43212 | COMMUNITY INSURANCE COMPANY | $26K | — | $26K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 1301 E 9TH ST STE 3800 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | — | $1K | $1K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203417 DALLAS, TX 75320 | COMMUNITY INSURANCE COMPANY | -$144 | — | -$144 | -0.00% |
| LTC CHOICES3 | 1291 STEAMBOAT SPRINGS CT BLACKLICK, OH 43004 | JOHN HANCOCK | $6K | — | $6K | 4.26% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE STE. 102 MADISON, WI 53719 | JOHN HANCOCK | $5K | — | $5K | 3.40% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | JOHN HANCOCK | $3K | — | $3K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.51% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $929 | $2K | $2K | 2.17% |
| LTC CHOICES3 | 1291 STEAMBOAT SPRINGS C BLACKLICK, OH 43004 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 16.27% |
| LTCI PARTNERS LLC3 | 100 N FIELD DR STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.32% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 203417 DALLAS, TX 75320 | VISION SERVICE PLAN | $33K | — | $33K | 76.28% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 0 | $3.8M |
| Vision | VISION SERVICE PLAN | 0 | $44K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $113K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 0 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.