| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | 2251 DOUGLAS BLVD, SUITE 115 ROSEVILLE, CA 95661 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | VISION SERVICE PLAN | $1K | — | $1K | 4.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $803 | $3K | 12.26% |
| 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 | $1K | $336 | $2K | 12.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $647 | — | $647 | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | EYEMED VISION CARE | $1K | — | $1K | 19.75% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 83 | $126K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 91 | $39K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $47K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.