| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDA CARTER-STEPHENS3 Filed as: LINDA GLORIA CARTER-STEPHENS | 114 N IRWIN ST HANFORD, CA 93230 | AETNA | $9K | — | $9K | 5.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA | $4K | — | $4K | 2.72% |
| E.D.I.S.5 | PO BOX 7809 VISALIA, CA 93290 | E.D.I.S. | — | $9K | $9K | 14743.33% |
| LINDA CARTER-STEPHENS3 Filed as: LINDA G. CARTER | 114 N. IRWIN STREET HANFORD, CA 93230 | E.D.I.S. | $4K | — | $4K | 6583.33% |
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 | 28 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 30 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30 | — |
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.