| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 8.60% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 | 1390 BROADWAY, SUITE B-125 PLACERVILLE, CA 95667 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 11.13% |
| PETER JAMES SARANTIS3 | 5073 PYRAMID WAY SUISUN CITY, CA 94585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | $0 | $403 | 0.72% |
| JEANNETTE YVONNE DURRANI3 | 11 SOUTH CENTRAL AVENUE, APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $376 | $0 | $376 | 0.67% |
| JACE G. KUERSTEN AND OTHER AGENTS3 | 4239 BAYWOOD DRIVE REDDING, CA 96003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | $0 | $218 | 0.39% |
| ANDY B GLENN II3 Filed as: ANDY BERNARD GLENN | 2999 DOUGLAS BOULEVARD, SUITE 180 ROSEVILLE, CA 95661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | $0 | $176 | 0.31% |
| JOHN E MASSE3 Filed as: JOHN ROSS HOFFMAN | 2251 DOUGLAS BOULEVARD, SUITE 110 ROSEVILLE, CA 95661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.31% |
| JAMES S SARANTIS3 Filed as: JAMES STEPHEN SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | $0 | $143 | 0.25% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $252K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $308K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $252K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 370 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.