| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $61K | — | $61K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 3.54% |
| 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 | $36K | — | $36K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 3.98% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL G ACETI | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 21.09% |
| DALE K EDWARDS3 | 1100 PARKER SQ STE 245 FLOWER MOUND, TX 75028 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.08% |
| ROBERT S GUTHERMAN3 | 137 REGATTA RD BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.08% |
| 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 | $838K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 50 BEALE ST SAN FRANCISCO, CA 94105 | $610K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 997330 SACRAMENTO, CA 958997330 | $174K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 95899 | $46K |
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 | 2,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,047 | $242K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,047 | $405K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,047 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,047 | — |
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.