| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $23K | $3K | $26K | 4.14% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $9K | $9K | 1.49% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.01% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP-CARPENTER/KEMPS INSURANCE | 3187 COLLINS DRIVE MERCED, CA 953483158 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.85% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $923 | — | $923 | 12.49% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | ANTHEM BLUE CROSS | $2K | — | $2K | 415.60% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | — | $991 | $991 | 166.28% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 101 | $617K |
| Dental | UNION SECURITY INSURANCE COMPANY | 115 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $7K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.