| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL ROBERT COPENHAGEN3 | 180 SPRING ST PLEASANTON, CA 94566 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | $0 | $130K | 4.44% |
| MINDSHARE BENEFITS & INSURANCE SERV3 | 127 SPRING ST, STE 115 PLEASANTON, CA 94566 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.47% |
| ENROLLEASE0 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.96% |
| MINDSHARE BENEFITS & INSURANCE SERV3 | 127 SPRING ST, STE 115 PLEASANTON, CA 94566 | KAISER FOUNDATION HEALTH PLAN, INC | $4K | $0 | $4K | 4.95% |
| MINDSHARE BENEFITS & INSURANCE SERV3 | 180 SPRING ST PLEASANTON, CA 94566 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.80% |
| ENROLLEASE0 Filed as: ENROLLEASE, INC. DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $0 | $599 | $599 | 1.25% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $444K |
| Vision | VISION SERVICE PLAN | 216 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $444K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $444K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $444K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $3.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.