| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNALCE BROKERS INSURANCE SOLUTION3 | 1330 N BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE OF CALIFORNIA | $24K | — | $24K | 4.74% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 1330 N BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 5.11% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 1330 N BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.01% |
| PINNACLE BROKERS3 Filed as: PINNACLE BROKERS INSURANCE SOLUTION | 1330 N BROADWAY, SUITE 204 WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 10.51% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL BENEFITS | P.O. BOX 26457 SANTA ANA, CA 92799 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $533 | — | $533 | 14.99% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE OF CALIFORNIA | 132 | $880K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 67 | $30K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $365K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $424K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $59K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE OF CALIFORNIA | 132 | $880K |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.