| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS1 Filed as: DOMINIC CARRADER, DBA IFS | 117 BERNAL ROAD UNIT 70256 SAN JOSE, CA 95119 | HEALTH CARE SERVICE CORPORATION | $103K | — | $103K | 2.40% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO, DBA IFS | 117 BERNAL ROAD 70256 SAN JOSE, CA 95119 | FOUR EVER LIFE INS CO. | $144K | — | $144K | 5.00% |
| HEALTH CARE SERVICES CORPORATION | 300 E RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO. | $115K | — | $115K | 4.00% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL ROAD UNIT 70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 7.33% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO, DBA IFS | 117 BERNAL ROAD 70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 8.41% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO,DBA IFS | 117 BERNAL ROAD 70256 SAN JOSE, CA 95119 | EYEMED | $8K | — | $8K | 5.38% |
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 | 2,253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,043 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 798 | $702K |
| Vision | EYEMED | 2,253 | $152K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 610 | $398K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 610 | $398K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 1,043 | $4.3M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 1,043 | $4.3M |
| Other(3 contracts, 3 carriers) | FOUR EVER LIFE INS CO. | 610 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,253 | — |
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."
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.