| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST 200 DES MOINES, IA 50309 | BLUE CROSS OF CALIFORNIA | $53K | — | $53K | 3.54% |
| REYNOLDS & REYNOLDS INC Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST 200 DES MOINES, IA 50309 | BLUE CROSS OF CALIFORNIA | $34K | — | $34K | 2.29% |
| REYNOLDS & REYNOLDS INC3 | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $693 | $3K | 19.51% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER ARNET | 1851 LAKE DR W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.00% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS | 300 WALNUT ST 200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $548 | $2K | 19.54% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | 1851 LAKE DR W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $965 | $965 | 8.00% |
| REYNOLDS & REYNOLDS INC Filed as: REYNOLDS & REYNOLDS, INC | 300 WALNUT ST 200 DES MOINES, IA 50309 | VISION SERVICE PLAN | $860 | — | $860 | 9.99% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 113 | $1.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 113 | $1.5M |
| Vision | VISION SERVICE PLAN | 4 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.