| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| Q & A INSURANCE MARKETING LLC | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 95426 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | — | $59K | 5.08% |
| Q & A INSURANCE MARKETING LLC | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | VISION SERVICE PLAN | $4K | — | $4K | 4.66% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 11.14% |
| Q & A INSURANCE MARKETING LLC | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $648 | — | $648 | 8.43% |
| Q & A INSURANCE MARKETING LLC | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | LANDMARK HEALTH PLAN | $441 | — | $441 | 9.97% |
| Q & A INSURANCE MARKETING LLC | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 95426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 11.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Contract Administrator Service code 13 | 12121 HARBOR REACH DR SUITE 105 MUKILTEO, WA 98275 | $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 | 1,706 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 895 | $1.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 598 | $89K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 895 | $1.2M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $3K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 895 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.