| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDY INSURANCE SERVICES3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AETNA HEALTH, INC. | $117K | — | $117K | 4.96% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | AETNA HEALTH, INC. | $35K | — | $35K | 1.49% |
| LUNDY INSURANCE SERVICES3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AETNA LIFE INSURANCE COMPANY | $44K | — | $44K | 6.51% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 2.33% |
| LUNDY INSURANCE SERVICES3 | 12028 S CONNECTION LANE KUNA, ID 83634 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 4.93% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 16.37% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $71 | $9K | 14.80% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.68% |
| LUNDY INSURANCE SERVICES3 | 12012 W KIND LANE KUNA, ID 83634 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $378 | — | $378 | 2.47% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 416 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 416 | $670K |
| Vision | AETNA LIFE INSURANCE COMPANY | 416 | $670K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $131K |
| Short-term disability | AFLAC | 57 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $40K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 416 | $3.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.