| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 2240 CAMINO RAMON SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $77K | $0 | $77K | 2.64% |
| BAY AREA BENEFITS INSURANCE SERVICE3 Filed as: BAY AREA BENEFITS INSURANCE SVCS | 2240 CAMINO RAMON SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 2.56% |
| BAY AREA BENEFITS INSURANCE SERVICE3 Filed as: BAY AREA BENEFITS INSURANCE SVCS | 2240 CAMINO RAMON SUITE 100 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.38% |
| ROBERT J. KADESH3 | 2240 CAMINO RAMON SUITE 100 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.70% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 581 | $2.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.