| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $14K | $25K | $39K | 5.56% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 7.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 5.07% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.03% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS | $4K | — | $4K | 15.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 6.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BLVD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $422 | $422 | 1.57% |
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 | 733 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,058 | $326K |
| Vision | VISION SERVICE PLAN | 575 | $71K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 733 | $709K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 733 | $709K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 733 | $709K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 733 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.