| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | — | $61K | 5.68% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | VISION SERVICE PLAN | $5K | — | $5K | 5.40% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $975 | — | $975 | 11.14% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | SAFEGUARD HEALTH PLANS INC, A CALIFORNIA CORPORATION | $942 | — | $942 | 11.05% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | LANDMARK HEALTHPLAN | $415 | — | $415 | 9.99% |
| Q & A INSURANCE MARKETING LLC3 | 696 SAN RAMON VALLEY BLVD. #348 DANVILLE, CA 94526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | — | $550 | 16.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Contract Administrator Service code 13 | 12121 HARBOR REACH DR SUITE 105 MUIILTEO, 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 | 1,803 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $1.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 633 | $96K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $1.1M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4 | $3K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 926 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.