| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | DEPT 33667 BLDG A, 2ND FLOOR 3440 WALNUT AVE FREMONT, CA 94538 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| JOE FERNANDEZ3 | RENAISSANCE TOWER 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | ALLSTATE | $80K | — | $80K | 29.76% |
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK RD 2ND FLOOR RANCHO CORDOVA, CA 95670 | ALLSTATE | $47K | — | $47K | 17.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 39000 SAN FRANCISCO, CA 941390001 | VISION SERVICE PLAN | $4K | — | $4K | 2.55% |
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF CALIFORNIA | $40K | — | $40K | 45.85% |
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 | 1,430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 1,368 | $87K |
| Vision | VISION SERVICE PLAN | 1,272 | $151K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,430 | $542K |
| Short-term disability | ALLSTATE | 616 | $269K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,430 | $542K |
| Other | ALLSTATE | 616 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,430 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.