| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | UNITED HEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 5.59% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 10.00% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $773 | $4K | 15.00% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $514 | $3K | 18.00% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $459 | $2K | 15.00% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| SELDON BRUSA INSURANCE AGENCY3 | 1100 W. TOKAY STREET, SUITE B LODI, CA 95240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $370 | $92 | $462 | 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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $709K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $78K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $15K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.