| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE3 Filed as: BENEFITS ALLIANCE SERVICES, LLC | 31248 OAK CREST DR. SUITE 140 WESTLAKE VILLAGE, CA 91361 | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORP. | $105K | $0 | $105K | 9.89% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOOSSEE RD. #1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 31248 OAK CREST DR. SUITE 140 WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.04% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS SERVICES LLC | 31248 OAK CREST DR. SUITE 140 WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 31248 OAK CREST DRIVE, SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.17% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS. SVCS., LLC | 31248 OAK CREST DRIVE, SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.83% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOOSSEE RD. #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 31248 OAK CREST DRIVE SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.45% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE RD. 1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| BENEFITS ALLIANCE INSURANCE3 Filed as: BENEFITS ALLIANCE SERVICES | 31248 OAK CREST DRIVE SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH SERVICES LLC | 31248 OAK CREST DR. SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.36% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOOSSEE RD. #1579 ORLANDO, FL 32822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| BENEFITS ALLIANCE INS SVCS LLC3 | 31248 OAK CREST DR. SUITE 140 WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 31248 OAK CREST DR., SUITE 140 WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.52% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 7157 NARCOSSEE RD. #1579 ORLANDO, FL 32822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| BENEFIT ALLIANCE INS SERVICES LLC3 | 31248 OAK CREST DR., SUITE 140 WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 ADMIN FEES | Contract Administrator Service code 13 | 31248 OAK CREST DRIVE SUITE 140 WEST-LAKE VILLAGE, CA 913614692 | $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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 259 | $193K |
| Dental | MERITAIN HEALTH | 259 | $193K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $136K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $160K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORP. | 261 | $1.1M |
| Other(4 contracts, 2 carriers) | MERITAIN HEALTH | 342 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.