| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDY INSURANCE SERVICES3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AETNA HEALTH, INC. | $105K | $5K | $110K | 5.28% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $31K | — | $31K | 1.51% |
| LUNDY INSURANCE SERVICES3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 6.67% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.67% |
| LUNDY INSURANCE SERVICES3 | 12028 S CONNECTION LANE KUNA, ID 83634 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 4.60% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.43% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | $83 | $7K | 12.25% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.70% |
| LUNDY INSURANCE SERVICES3 | 12028 S CONNECTION LANE KUNA, ID 83634 | EYEMED VISION CARE | $3K | — | $3K | 9.78% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $452 | — | $452 | 2.60% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 378 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 378 | $464K |
| Vision | EYEMED VISION CARE | 353 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $140K |
| Short-term disability | AFLAC | 59 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $52K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 378 | $2.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.