| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INS. AGENCY | 3187 COLLINS DRIVE MERCED, CA 95348 | CALIFORNIA PHYSICIANS' SERVICE | $47K | $0 | $47K | 3.61% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $26K | $0 | $26K | 2.00% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | CALIFORNIA PHYSICIANS' SERVICE | $5K | — | $5K | 0.39% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $22K | — | $22K | 8.53% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INS. AGENCY | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.42% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $7K | — | $7K | 8.53% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 11.21% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INS. AGENCY | 3187 COLLINS DRIVE, SUITE A MERCED, CA 95348 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | GERBER LIFE INSURANCE COMPANY | $386 | $0 | $386 | 14.99% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 306 | $1.7M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $120K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $28K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $194K |
| Short-term disability | STANDARD INSURANCE COMPANY | 55 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 55 | $74K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 306 | $1.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.