| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.93% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $205 | $3K | 10.73% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $88 | $1K | 10.67% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $658 | $658 | 5.00% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $893 | $64 | $957 | 10.72% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $446 | $446 | 5.00% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $312 | $19 | $331 | 10.61% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $156 | $156 | 5.00% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $98K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $28K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.