| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | CALIFORNIA PHYSICIANS' SERVICE | $46K | $55 | $46K | 3.00% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $24K | — | $24K | 7.87% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.70% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | HOMETOWN HEALTH | $12K | — | $12K | 7.87% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 8.66% |
| LP INSURANCE SERVICES, INC.3 | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.02% |
| LEAP/CARPENTER/KEMPS INSURANCE Filed as: LEAP CARPENTER KEMPS INS. AGENCY | 3187 COLLINS DRIVE, SUITE A MERCED, CA 95348 | PRINCIPAL LIFE INSURANCE COMPANY | -$8 | $0 | -$8 | -0.03% |
| 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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 340 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $152K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $31K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $235K |
| Short-term disability | STANDARD INSURANCE COMPANY | 58 | $83K |
| Long-term disability | STANDARD INSURANCE COMPANY | 58 | $83K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 340 | $2.0M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.