| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY | 220 WEST 20TH AVE SAN MATEO, CA 94403 | MONY LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 9.00% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | $12K | $10K | $22K | 8.86% |
| ANDREINI AND COMPANY | 220 WEST 20TH AVE SAN MATEO, CA 94403 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.94% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.97% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | $3K | $4K | 16.24% |
| ANDREINI AND COMPANY | 220 W 20TH AVE SAN MATEO, CA 94403 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| ANDREINI AND COMPANY | 220 WEST 20TH AVE SAN MATEO, CA 94403 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | $1K | $891 | $2K | 9.02% |
| CONCERN EMPLOYEE ASSISTANCE PROGRAM | 1503 GRANT ROAD 1ST FL STE 120 MOUNTAIN VIEW, CA 94040 | CONCERN EAP EMPLOYEE ASSISTANCE PROGRAM | — | — | $0 | 0.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MONY LIFE INSURANCE COMPANY OF AMERICA | 190 | $251K |
| Vision | MONY LIFE INSURANCE COMPANY OF AMERICA | 190 | $33K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 190 | $22K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 19 | $22K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 190 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.