| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 620 WEST CROMWELL AVENUE #106 FRESNO, CA 93711 | AMALGAMATED LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD, SUITE 100 ELK GROVE, CA 95624 | AMALGAMATED LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 5.84% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 3.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS EIN 77-0382381 TPA | Claims processing Service code 12 | — | $86K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NETWORK | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $79K |
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 | 8 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 469 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $321K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 611 | $65K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $321K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $321K |
| Prescription drug | RXBENEFITS, INC. | 291 | $0 |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 294 | $432K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 469 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.