| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD, SUITE 115 ROSEVILLE, CA 95661 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| ROGERS BENEFIT GROUP INC3 | 14216 DAYTON CIRCLE, SUITE 108 OMAHA, NE 68137 | PRINCIPAL LIFE INSURANCE COMPANY | $495 | — | $495 | 0.41% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | PRINCIPAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.64% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS AGCY LLC | 300 W ESPLANADE DRIVE, STE B OXNARD, CA 93036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.45% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | VISION SERVICE PLAN | -$2 | — | -$2 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 9.43% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | UNITED CONCORDIA INSURANCE COMPANY | -$44 | — | -$44 | -0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 P O BOX 28932 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $954 | — | $954 | 10.00% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | EYEMED VISION CARE | $58 | — | $58 | 1.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | EYEMED VISION CARE | -$75 | — | -$75 | -1.38% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $144K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 87 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $43K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.