| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC CARRADERO | 6855 VIA DEL ORO SAN JOSE, CA 95119 | BLUE CROSS BLUESHIELD OF ILLINOIS | $206K | — | $206K | 3.59% |
| DOMINIC CARRADERO3 | 6855 VIA DEL ORO SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 7.43% |
| DOMINIC CARRADERO3 | 6855 VIA DEL ORO SAN JOSE, CA 95119 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | — | $65K | 15.60% |
| CLARITY WEALTH ADVISORS LLC3 | 2580 N FIRST STREET SUITE 130 SAN JOSE, CA 95131 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 2.63% |
| DOMINIC CARRADERO | 6855 VIA DEL ORO SAN JOSE, CA 95119 | VISION SERVICE PLAN | $4K | — | $4K | — |
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 | 1,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUESHIELD OF ILLINOIS | 1,776 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 756 | $673K |
| Vision | VISION SERVICE PLAN | 796 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,121 | $418K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,121 | $418K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,121 | $418K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUESHIELD OF ILLINOIS | 1,776 | $5.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUESHIELD OF ILLINOIS | 1,776 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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."
No prospect flags tripped on this filing.