| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 | PO BOX 129 GUSTINE, CA 95322 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 2.84% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 | 207 5TH STREET GUSTINE, CA 95322 | BLUE SHIELD OF CALIFORNIA | $12K | — | $12K | 6.42% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 | 207 5TH STREET GUSTINE, CA 95322 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | HUMANA INSURANCE COMPANY | — | $40 | $40 | 0.09% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO, PFITZER, PIRES EMPLOYEE BNFTS | PO BOX 129 GUSTINE, CA 95322 | VISION SERVICE PLAN | $733 | — | $733 | 7.46% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $492 | — | $492 | 5.00% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | 207 5TH STREET GUSTINE, CA 95322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $971 | — | $971 | 11.19% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 | 207 5TH STREET GUSTINE, CA 95322 | HUMANADENTAL INSURANCE COMPANY | $232 | — | $232 | 5.72% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | HUMANADENTAL INSURANCE COMPANY | — | $9 | $9 | 0.22% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 59 | $624K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 56 | $50K |
| Vision | VISION SERVICE PLAN | 46 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $9K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 33 | $186K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.