| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $213K | — | $213K | 4.11% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $51K | — | $51K | 12.98% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 944014010 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 4.32% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 E 3RD AVE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | — | $5K | 4.85% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $647 | $647 | 1.27% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.72% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $588 | $588 | 1.28% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.55% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $163 | $163 | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX EIN 06-1593514 CLAIMS PROCESSING | Claims processing Service code 12 | — | $17K |
| CIGNA HEALTH AND LIFE INSURANE COMC EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $12K |
| LUMITY INC CLAIMS PROCESSING | Claims processing Service code 12 | 5214 F DIAMOND HTS BLVD SAN FRANCISCO, CA 94131 | $8K |
| CIGNA | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 686 | 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) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 936 | $5.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 999 | $392K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $46K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 44 | $262K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 686 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.