| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE COST MGMT SVCS INC3 | 433 A STREET ENCINITAS, CA 92024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COAST BENEFITS EIN 20-3087898 NONE | Plan Administrator Service code 14 | 3444 CAMINO DEL RIO N STE 101 SAN DIEGO, CA 92108 | $43K |
| RICHARD D PROCHAZKA, APC EIN 95-3722191 NONE | Legal Service code 29 | PO BOX 881566 SAN DIEGO, CA 92108 | $10K |
| INNOVATIVE COST MANAGEMENT SYSTEMS EIN 77-0119752 NONE | Consulting (general) Service code 16 | 95 S. MARKET STREET SUITE 600 SAN JOSE, CA 95113 | $10K |
| PKF, LLP EIN 81-3391684 NONE | Accounting (including auditing) Service code 10 | 2020 CAMINO DEL RIO N. STE. 500 SAN DIEGO, CA 92108 | $9K |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 235 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $15K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.