| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET MODESTO, CA 953540710 | KAISER PERMANENTE | $43K | $0 | $43K | 4.29% |
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET SUITE 2 MODESTO, CA 953540710 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.43% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVE STE 330 CONCORD, CA 945202086 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.01% |
| LUMIX INSURANCE AGENCY INC3 | 1214 11TH STREET SUITE 2 MODESTO, CA 95382 | SYMETRA LIFE INSURANCE | $3K | — | $3K | 16.51% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $80K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $80K |
| Life insurance | SYMETRA LIFE INSURANCE | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.