| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | UNITED HEALTHCARE INSURANCE COMPANY | $303K | — | $303K | 4.56% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $44K | $87K | 20.32% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $2K | $23K | 16.53% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $12K | 11.70% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $754 | $10K | 16.29% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 13.49% |
| OPTIMAL BENEFITS INSURANCE SERVICES3 | 20 PACIFICA, SUITE 460 IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $275 | $3K | 16.38% |
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 | 847 | 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) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,324 | $6.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 477 | $429K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 847 | $245K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 845 | $46K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 847 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.