| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | PREMIER ACCESS INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVICES INC. | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 9394 W DODGE RD SUITE 251 OMAHA, NE 68114 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.46% |
| EMERSON REID LLC3 Filed as: EMERSON RODGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $121 | $121 | 0.55% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 249 | $99K |
| Vision | VISION SERVICE PLAN | 106 | $27K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $22K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.