| 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 | $56K | — | $56K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, CA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, CA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 4.94% |
| 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 | $34K | — | $34K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.77% |
| ACETI, DANIEL, GINO | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $22K | $42K | 63.12% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL G ACETI | 7804 FAIRVIEW RD #266 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 22.44% |
| ROBERT S GUTHERMAN3 | 137 REGATTA RD BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.37% |
| DALE K EDWARDS3 | 1100 PARKER SQ STE 245 FLOWER MOUND, TX 75028 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.37% |
| 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 | $849K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 50 BEALE ST SAN FRANCISCO, CA 94105 | $553K |
| DELTA DENTAL EIN 94-1461312 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 997330 SACRAMENTO, CA 95899 | $170K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 95899 | $45K |
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 | 3,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,080 | 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 | 3,057 | $261K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,057 | $371K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,057 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,057 | — |
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.