| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LRD INSURANCE SOLUTIONS, LLC3 | 647 CAMINO DE LOS MARES SUITE 10883 SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $58K | $0 | $58K | 4.63% |
| LRD INSURANCE SOLUTIONS, LLC3 | 647 CAMINO DE LOS MARES SUITE 10883 SAN CLEMENTE, CA 92673 | PRINCIPAL FINANCIAL GROUP | $13K | $0 | $13K | 10.00% |
| LRD INSURANCE SOLUTIONS, LLC3 | 647 CAMINO DE LOS MARES SUITE 10883 SAN CLEMENTE, CA 92673 | EYEMED | $3K | $0 | $3K | 7.32% |
| BENEFITMALL Filed as: BENEFITMALL.COM | 12404 PARK CENTRAL DRIVE, 400S DALLAS, TX 75251 | EYEMED | $580 | $3 | $583 | 1.54% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM | 4851 LBJ FREEWAY DALLAS, TX 75244 | EYEMED | $253 | $0 | $253 | 0.67% |
| LRD INSURANCE SOLUTIONS, LLC3 | 647 CAMINO DE LOS MARES SUITE 10883 SAN CLEMENTE, CA 92673 | LINCOLN FINANCIAL GROUP | $2K | $0 | $2K | 11.01% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $1.3M |
| Dental | PRINCIPAL FINANCIAL GROUP | 240 | $130K |
| Vision | EYEMED | 260 | $38K |
| Life insurance | LINCOLN FINANCIAL GROUP | 104 | $14K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $1.3M |
| Other | LINCOLN FINANCIAL GROUP | 104 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.