| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC. | 28 EAST 3RD AVENUE, SUITE 201 SAN MATEO, CA 94401 | AETNA LIFE INSURANCE COMPANY | $105K | $379 | $106K | 5.40% |
| LUMITY, INC.3 Filed as: LUMITY INC. | PO BOX 207733 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $2K | $31K | 10.70% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 5.53% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 28 EAST 3RD AVENUE, SUITE 201 SAN MATEO, CA 94401 | AETNA HEALTH, INC. | $3K | $0 | $3K | 5.44% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | $0 | $1K | 5.45% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $954 | $0 | $954 | 5.87% |
No Schedule C service providers reported on this filing.
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY | 310 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Prescription drug(7 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY | 310 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.