| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAINUDDEAN JEEWANJEE3 Filed as: ZAINUDDEAN AKBAR JEEWANJEE | 1494 HAMILTON AVE STE 103 SAN JOSE, CA 951254535 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $39K | $44K | 3.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $17K | $20K | 1.72% |
| JEEWANJEE, ZAINUDDEAN A3 | 1494 HAMILTON AVE STE 103 SAN JOSE, CA 951254535 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 11.33% |
| INSURE123 INSURANCE AGENCY, INC.3 | 1494 HAMILTON AVE SAN JOSE, CA 95125 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.35% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $690 | $690 | 3.50% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $48K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.