| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL INSURANCE SERVICES, INC.3 | 10471 GRANT LINE RD, STE 100 ELK GROVE, CA 956245042 | RELIASTAR LIFE INSURANCE COMPANY | — | $68K | $68K | 3.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SVCS INC | 620 W CROMWELL AVE, STE 106 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 7.74% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 1277 TREAT BOULEVARD, STE 400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 7.26% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD, STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 4.05% |
| RELATION INSURANCE INC3 Filed as: RELATION INS SVCS OF CA INC | 1277 TREAT BOULEVARD, STE 400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 7.78% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SVC INC | 620 W CROMWELL AVE, STE 106 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 7.22% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD, STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.46% |
| NATIONAL BENEFITS PARTNER LLC Filed as: NATIONAL BENEFITS PARTNER INS AGENC | 1389 CENTER DR, STE 200 PARK CITY, UT 84098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $665 | — | $665 | 1.57% |
| RELATION INSURANCE SERVICES OF CA Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BOULEVARD, STE 400 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.37% |
| CHILD HEALTH CORPORATION OF AMERICA | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS HEALTH ADMINISTRATORS LLC EIN 82-2891309 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | PO BOX 25190 FRESNO, CA 93759 | $568K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 50 BEALE ST SAN FRANCISCO, CA 94105 | $502K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $100K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 95899 | $47K |
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 | 3,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,195 | $266K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,195 | $324K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,794 | $2.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,195 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,195 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.