| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | BLUE CROSS OF CALIFORNIA | $396K | $2K | $397K | 5.09% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | BLUE CROSS OF CALIFORNIA | $0 | $4K | $4K | 0.05% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 4.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.10% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $8K | $33K | 9.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.64% |
| GIS BENEFITS INC3 Filed as: GIS NORTHERN CALIFORNIA | 315 MONTGOMERY STREET, SUITE 900 SAN FRANCISCO, CA 94104 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 10.00% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 7.32% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 5.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 2.68% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,160 | $8.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $333K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $333K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,160 | $8.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.