| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.80% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 95865 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.74% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.22% |
| LEAP/CARPENTER/KEMPS INSURANCE3 Filed as: LEAP CARPENTER KEMP INS AGENCY | 3187 COLLINS DR STE A MERCED, CA 95348 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.29% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | — | $670 | 7.92% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $598 | — | $598 | 7.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELLE, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $343 | $343 | 4.06% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $254 | $254 | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELLE, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $223 | $223 | 2.64% |
| LEAP/CARPENTER/KEMPS INSURANCE3 | 3187 COLLINS DRIVE MERCED, CA 95348 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $318 | — | $318 | 7.40% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 95865 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | — | $258 | 6.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $172 | $172 | 4.00% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $129 | $129 | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $108 | $108 | 2.51% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 71 | $637K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $81K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $81K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $4K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.