| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INSURANCE | P.O BOX 1512 MERCED, CA 95341 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 5.37% |
| EMERSON REID LLC3 | 350 5TH AVENUE, #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.06% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMPS INSURANCE | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.27% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $729 | $729 | 5.00% |
| EMER3 | 350 5TH AVENUE, #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $410 | $410 | 2.81% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $519 | — | $519 | 13.60% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $175 | $175 | 4.59% |
No Schedule C service providers reported on this filing.
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 46 | $169K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $105K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $4K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.