| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | HEALTH NET | — | — | $0 | 0.00% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.47% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 926491169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 23.48% |
| BOTTOM LINE INSURANCE SVCS LLC3 Filed as: BOTTOM LINE INSURANCE SERVICES LLC | 5862 BOLSA AVENUE STE 108 HUNTINGTON BEACH, CA 92649 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $897 | $3K | 22.89% |
| BENJAMIN MOSQUEDA3 | 2855 CROCKERY SHORES RD CASNOVIA, MI 49318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $51 | $51 | 1.95% |
| JIM BARRETT3 | 8514 EAST KRAIL ST SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $19 | $19 | 0.73% |
| MICHAEL MINNEY3 Filed as: MICHAEL JAY MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $18 | $18 | 0.69% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $16 | $16 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ULRICH KENNETH EIN 56-4600071 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 3780 KILROY AIRPORT WAY LONG BEACH, CA 90806 | $0 |
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 | 1,601 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 303 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $51K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 943 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 943 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.