| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL RUBEN SAUCEDO3 Filed as: DANIEL REUBEN SAUCEDO | 235 E BROADWAY, SUITE 520 LONG BEACH, CA 90802 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.13% |
| AMERICAN FIDELITY GENERAL AGENCY3 | 9000 CAMERON PARKWAY OKLAHOMA CITY, OK 73114 | PRINCIPAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 4.07% |
| SCOTT F. DURRETT3 | 2029 CENTURY PARK E., #2550 LOS ANGELES, CA 90067 | PRINCIPAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 4.07% |
| DANIEL R. SAUCEDO3 | 5409 E. OLETA STREET LONG BEACH, CA 90815 | AMERICAN FIDELITY ASSURANCE COMPANY | $118K | $118K | $236K | — |
| SCOTT F. DURRETT3 | 2029 CENTURY PARK E., #2550 LOS ANGELES, CA 90067 | AMERICAN FIDELITY ASSURANCE COMPANY | $45K | $45K | $89K | — |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS, INC. | 2400 MAIN STREET, #200 IRVINE, CA 92614 | AMERICAN FIDELITY ASSURANCE COMPANY | $37K | $37K | $75K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCDONALD ASSOCIATION MANAGEMENT CO EIN 81-0989479 THIRD PARTY ADMINISTRATOR | Named fiduciary; Account maintenance fees; Participant communication; Consulting (general); Copying and duplicating; Claims processing; Accounting (including auditing); Recordkeeping fees; Plan Administrator; Contract Administrator Service code 10 | 1540 RIVER PARK DRIVE, SUITE 211 SACRAMENTO, CA 95815 | $40K |
| HG CONSULTING GROUP EIN 68-0372388 CONTRACTOR | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | 3431 FORNEY WAY SACRAMENTO, CA 95816 | $26K |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $23K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 335 | $0 |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 335 | $0 |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 335 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.