| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ALLMAN3 Filed as: DAVID J ALLMAN | 1730 I ST STE 240 SACRAMENTO, CA 958113017 | RELIASTAR LIFE INSURANCE COMPANY | $71K | — | $71K | 8.97% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E. FIRST ST. STE. 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| VARIOUS | — | BLUE CROSS BLUE SHIELD - FLORIDA BLUE | $125K | — | $125K | 23.12% |
| DAVID ALLMAN3 Filed as: DAVID J ALLMAN | 1730 I ST STE 240 SACRAMENTO, CA 958113017 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 10.00% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC | PO BOX 2188 RANCHO CORDOVA, CA 95741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.53% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E. 1ST STREET, STE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 9.81% |
| VARIOUS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $654 | — | $654 | 0.87% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC | 1730 I ST STE 240 SACRAMENTO, CA 95811 | HYATT LEGAL PLANS | $1K | — | $1K | 10.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 5847 SAN FELIPE ST STE 320 HOUSTON, TX 770573183 | HYATT LEGAL PLANS | — | $52 | $52 | 0.46% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD - FLORIDA BLUE | 787 | $541K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 838 | $35K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 660 | $118K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 992 | $790K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 992 | $790K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 992 | $790K |
| Prescription drug | BLUE CROSS BLUE SHIELD - FLORIDA BLUE | 787 | $541K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 992 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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.
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.