| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $187K | $0 | $187K | 18.55% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | $0 | $16K | 4.00% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.23% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | $0 | $5K | 3.02% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.45% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | VISION SERVICE PLAN | $2K | — | $2K | 3.56% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.78% |
| MINDSHARE BENEFITS & INSURANCE SVCS3 | 5980 STONERIDGE DRIVE #108 PLEASANTON, CA 94588 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURER/ADMINISTRATOR | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $104K |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 521 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $290K |
| Vision | VISION SERVICE PLAN | 227 | $54K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $141K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $51K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 521 | $1.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 521 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.