| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC. | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | METLIFE | $41K | — | $41K | 4.43% |
| Q&A INSURANCE MKTG, INC. | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.58% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC. | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | SAFEGUARD HEALTH PLANS, INC. | $571 | — | $571 | 8.77% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING, INC. | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | ANTHEM BLUE CROSS LIFE AND HEALTH INS CO | $521 | — | $521 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS SOLUTIONS, INC. EIN 91-1603312 NONE | Contract Administrator Service code 13 | 12121 HARBOUR REACH DR MUKILTEO, WA 98275 | $27K |
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 | 1,872 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METLIFE | 1,000 | $937K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 493 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.