| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LAPIDUS3 | PO BOX 547 WEIMAR, CA 95736 | MESVISION | $676 | — | $676 | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RISK & MANAGEMENT SERVICES EIN 94-2378705 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 80 IRON POINT CIRCLE #200 FOLSOM, CA 95630 | $70K |
| GARY LAPIDUS INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 547 WEIMAR, CA 95736 | $21K |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MESVISION | 113 | $12K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 112 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.