| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | BLUE CROSS OF CALIFORNIA | $46K | — | $46K | 4.49% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $6K | — | $6K | 8.26% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FREDERICKS BENEFITS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | VISION SERVICE PLAN | $1K | — | $1K | 7.45% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 25.26% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 26.88% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 38.60% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $639 | — | $639 | 10.00% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 198 | $1.0M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 174 | $73K |
| Vision | VISION SERVICE PLAN | 129 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $16K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 198 | $1.0M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
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.