| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC3 | 801 LAKEVIEW DR BLUE BELL, PA 19422 | BLUE SHIELD OF CA | $20K | — | $20K | 7.39% |
| JOHN C VO3 | PO BOX 1357 SAN JOSE, CA 95109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.00% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD DER | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| JOHN VO3 | PO BOX 1357 SAN JOSE, CA 95109 | VISION SERVICE PLAN | $720 | — | $720 | 4.53% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD DER | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | VISION SERVICE PLAN | $240 | — | $240 | 1.51% |
| JOHN C VO3 | PO BOX 1357 SAN JOSE, CA 95109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $429 | — | $429 | 9.01% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD DER | 40485 ENCYCLOPEDIA CIRCLE FREMONT, CA 94538 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $143 | — | $143 | 3.00% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $108K |
| Vision | VISION SERVICE PLAN | 120 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $5K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CA | 91 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.