| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| Q & A INSURANCE MARKETING LLC Filed as: Q AND A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 5.46% |
| Q&A INSURANCE MKTG, INC. Filed as: Q&A INSURANCE MKTG, INC | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | VISION SERVICE PLAN | $3K | — | $3K | 4.92% |
| Q&A INSURANCE MARKETIN, INC | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.69% |
| CHARLES QUINN | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | SAFEGUARD HEALTH PANS, INC., A CALIFORNIA CORPORATION | $999 | — | $999 | 11.52% |
| Q ANS A INSURANCE MARKETING, INC | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $698 | — | $698 | 8.71% |
| Q & A INSURANCE MARKETING LLC Filed as: Q&A INSURANCE MARKETING | 696 SAN RAMON VALLEY BLVD., #348 DANVILLE, CA 94526 | LANDMARK HEALTHPLAN | $451 | — | $451 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS SOLUTIONS, INC. NONE | Contract Administrator Service code 13 | 12121 HARBOUR REACH DR MULKITEO, WA 98275 | $31K |
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 | 1,816 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 871 | $815K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 492 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $23K |
| Other | LANDMARK HEALTHPLAN | 22 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.