| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVISION BENEFIT3 | 99 BOULDER DRIVE LAKE IN THE HILLS, IL 60156 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 22.26% |
| GUAM IMPERIAL INTERNATL INC3 | PO BOX EM HAGATNA, GU 96932 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 34.00% |
| LUIS BORJA3 | 231 HESLER PLACE HAGATNA, GU 96910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.59% |
| LEGACY PLANNING GROUP3 | 55 WEST FRONT ST SUITE 2 KEYPORT, NJ 07735 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $440 | — | $440 | 4.93% |
| INVISION BENEFIT3 Filed as: INVISION BENEFITS | 99 BOULDER DRIVE LITH, IL 60156 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.37% |
| GUAM IMPERIAL INTERNATL INC3 | PO BOX EM HAGATNA, GU 96932 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 34.88% |
| LUIS BORJA3 | 231 HESLER PLACE HAGATNA, GU 96910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.68% |
| LEGACY PLANNING GROUP3 | 55 WEST FRONT ST SUITE 2 KEYPORT, NJ 07735 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 4.90% |
| INVISION BENEFIT3 Filed as: INVISION BENEFITS | 99 BOULDER DRIVE LITH, IL 60156 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 PLAN SERVICE PROVIDER | Claims processing; Participant communication; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1528 S EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $69K |
| INVISION BENEFIT SERVICES EIN 36-4350800 PLAN SERVICE PROVIDER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 99 BOULDER DR LAKE IN THE HILLS, IL 60156 | $60K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 PLAN SERVICE PROVIDER | Accounting (including auditing) Service code 10 | 925 HIGHLAND POINTE DRIVE, STE 450 ROSEVILLE, CA 95678 | $16K |
| FCE FINANCIAL SERVICES, INC. EIN 80-0636312 PLAN SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1528 S EL CAMINO REAL, STE 307 SAN MATEO, CA 94402 | $6K |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NETCARE LIFE & HEALTH INSURANCE COMPANY | 168 | $684K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $37K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $37K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.