| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT G JONES3 | 1787 TRIBUTE ROAD STE E SACRAMENTO, CA 958154404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 9.80% |
| BRENT G JONES3 | 1787 TRIBUTE ROAD STE E SACRAMENTO, CA 958154404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BRENT G JONES3 | 1787 TRIBUTE ROAD STE E SACRAMENTO, CA 958154404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $764 | $0 | $764 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRITY ADMINISTRATORS INC EIN 68-0394770 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | 1787 TRIBUTE ROAD STE E SACRAMENTO, CA 958154404 | $132K |
| BRENT G JONES INSURANCE SERVICES EIN 26-4563823 NONE | Consulting (general); Insurance services Service code 16 | 1787 TRIBUTE ROAD STE E SACRAMENTO, CA 958154404 | $10K |
| HOMETOWN HEALTH EIN 88-0177026 NONE | Claims processing Service code 12 | 10315 PROFESSIONAL CIRCLE RENO, NV 89521 | $10K |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $43K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.