| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| Q&A INSURANCE MKTG, INC. | 696 SAN RAMON VALLEY BLVD DANVILLE, CA 94526 | VSP | $3K | — | $3K | 5.00% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD STE 348 DANVILLE, CA 94526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD STE 348 DANVILLE, CA 94526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD DANVILLE, CA 94526 | ANTHEM BLUE CROSS LIFE AND HEALTH INS CO | $804 | — | $804 | 11.07% |
| Q&A INSURANCE MRKT, INC | 696 SAN RAMON VALLEY BLVD DANVILLE, CA 94526 | SAFEGUARD HEALTH PLANS, INC | $251 | — | $251 | 8.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS SOLUTIONS, INC EIN 91-1603312 NONE | Contract Administrator Service code 13 | 12121 HARBOUR REACH DR MUKILTEO, WA 98275 | $23K |
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 | 1,666 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SAFEGUARD HEALTH PLANS, INC | 3 | $3K |
| Vision(2 contracts, 2 carriers) | VSP | 406 | $61K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.