| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAROLD L LEE & SONS INC3 | 31 PELL STREET NEW YORK, NY 10013 | AETNA HEALTH, INC | $13K | $1K | $14K | 2.50% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING & ASSOC INSURANCE BROKERS | 525 CORDOVA STREET SUITE 100 PASADENA, CA 91101 | AETNA HEALTH, INC | $13K | — | $13K | 2.28% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD L. LEE & SONS, INC. | 31 PELL STREET NEW YORK, NY 10013 | AETNA LIFE INSURANCE | $3K | — | $3K | 4.57% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING AND ASSOCIATES, INS BROKERS | 525 CORDOVA ST #100 PASADENA, CA 91101 | AETNA LIFE INSURANCE | $3K | — | $3K | 4.57% |
| HAROLD L LEE & SONS INC3 | 31 PELL STREET NEW YORK, NY 10013 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $907 | — | $907 | 5.00% |
| HING AND ASSOCIATES INSURANCE3 | 525 CORDOVA STREET, 100 PASADENA, CA 91101 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $907 | — | $907 | 5.00% |
| HING AND ASSOCIATES INSURANCE3 | 525 CORDOVA STREET, 100 PASADENA, CA 91101 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $565 | — | $565 | 5.00% |
| HAROLD L LEE & SONS INC3 | 31 PELL STREET NEW YORK, NY 10013 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $565 | — | $565 | 5.00% |
| SANDRA KAWANO3 | 1654 SOLANO AVENUE ALBANY, CA 947072114 | METROPOLITAN LIFE INSURANCE COMPANY | $478 | — | $478 | 6.02% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING AND ASSOCIATION INS BROKERS | 525 CORDOVA STREET, 100 PASADENA, CA 911012552 | METROPOLITAN LIFE INSURANCE COMPANY | $478 | — | $478 | 6.02% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC | 102 | $555K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $8K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $8K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 130 | $80K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 0 | $11K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE CO | 0 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.