| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST STE G BENICIA, CA 945102950 | SYMETRA LIFE INSURANCE COMPANY | $56K | — | $56K | 11.11% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST STE G BENICIA, CA 945102950 | COMPANION LIFE COLUMBIA, SC | $49K | — | $49K | 11.11% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST STE G BENICIA, CA 94510 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST SUITE G BENICIA, CA 94510 | WESTPORT INSURANCE CORPORATION | $1K | — | $1K | 11.11% |
| STOP LOSS INSURANCE SERVICES, INC.3 | 940 ADAMS ST STE G BENICIA, CA 945102950 | UNITED HEALTHCARE INSURANCE COMPANY | $975 | — | $975 | 11.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP LLC EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $107K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $58K |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 152 | $23K |
| Stop-loss / reinsurancereinsurance(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 153 | $963K |
| Other(2 contracts, 2 carriers) | WESTPORT INSURANCE CORPORATION | 153 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.