| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND ST, STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | BLUE SHIELD OF CALIFORNIA | $25K | — | $25K | 5.61% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | 1122 LAUREL LN SAN LUIS OBISPO, CA 93401 | BLUE SHIELD OF CALIFORNIA | $6K | — | $6K | 1.39% |
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND ST, STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $296 | $3K | 9.90% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGCY | 1122 LAUREL LAND SAN LUIS OBISPO, CA 93406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 0.97% |
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND ST, STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $160 | $2K | 9.80% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGCY | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $196 | — | $196 | 1.08% |
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND ST STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| ZENEFITS FTW INSURANCE SERVICE3 | 303 2ND ST, STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $407 | — | $407 | 11.56% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INS AGCY | 1122 LAUREL LN SAN LUIS OBISPO, CA 93406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75 | — | $75 | 2.13% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 83 | $438K |
| Dental | BLUE SHIELD OF CALIFORNIA | 83 | $438K |
| Vision | GERBER LIFE INSURANCE COMPANY | 131 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $18K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.