| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL BENEFIT INSURANCE SERVICES3 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | PAN AMERICAN LIFE INSURANCE | $66K | — | $66K | 4.17% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE INC | 5060 N FRUIT AVE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | — | $56K | 15.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE INC | 5060 N FRUIT AVE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA HEALTH SYSTEMS EIN 94-2353289 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 3244 BROOKSIDE ROAD STOCKTON, CA 95219 | $514K |
| ANTHEM BLUE CROSS PPO NETWORK EIN 95-3760980 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | PO BOX 60007 LOS ANGELES, CA 900600007 | $434K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 685011889 | $88K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 958997100 | $38K |
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 | 2,741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,725 | $116K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,751 | $370K |
| Stop-loss / reinsurancereinsurance | PAN AMERICAN LIFE INSURANCE | 2,387 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,725 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,751 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.