| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | CALIFORNIA PHYSICIANS SERVICE | $112K | — | $112K | 3.73% |
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND STREET, SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | CALIFORNIA PHYSICIANS SERVICE | $38K | — | $38K | 1.27% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.47% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $510 | $6K | 10.57% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 92407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | VISION SERVICE PLAN | $934 | — | $934 | 2.29% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | VISION SERVICE PLAN | $778 | — | $778 | 1.90% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INSURANCE SVCS INC | PO BOX 610520 SAN JOSE, CA 95161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $294 | $294 | 0.83% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.97% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INS SVCS INC | PO BOX 610520 SAN JOSE, CA 95161 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $126 | $3K | 12.76% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 2.75% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $132 | $3K | 12.65% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2NS STREET, SUITE 401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $597 | — | $597 | 3.02% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 2350 MISSION COLLEGE BLVD., STE 550 SANTA CLARA, CA 95054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $579 | $33 | $612 | 12.95% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 2.75% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 221 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $338K |
| Vision | VISION SERVICE PLAN | 252 | $41K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $81K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $36K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 221 | $3.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 295 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.