| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $46K | $0 | $46K | 9.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $23K | $23K | 4.97% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 4.75% |
| LUMITY, INC.3 | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 10.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $537 | $9K | 5.75% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 13.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 7.53% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | LEGALPLANS, USA | $2K | $0 | $2K | 20.00% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 43 | $257K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $458K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $458K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $161K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 298 | $161K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 43 | $257K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.