| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $46K | — | $46K | 5.03% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $18K | $18K | 2.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 4.54% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD STE 301 GLENDALE, CA 91202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD STE 301 GLENDALE, CA 91202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $738 | — | $738 | 10.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | — | $619 | 10.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD STE 301 GLENDALE, CA 91202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $574 | — | $574 | 10.01% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 98 | $1.4M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 84 | $459K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.