| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $133K | — | $133K | 5.00% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 7.43% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 9.26% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | EYEMED | $14K | — | $14K | 9.64% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.10% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.24% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.33% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.98% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.21% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $589 | — | $589 | 7.51% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $552 | — | $552 | 7.50% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | — | $239 | 11.52% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $127 | — | $127 | 7.47% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $127 | — | $127 | 7.47% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $109 | — | $109 | 7.49% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 4.24% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 12.81% |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | — |
| ASSUREDPARTNERS Filed as: DOMINIC CARRADERO DBA IFS | 117 BERNAL RD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $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 | 2,345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 537 | $2.7M |
| Dental(7 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 853 | $761K |
| Vision | EYEMED | 2,337 | $142K |
| Life insurance(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 654 | $523K |
| Long-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 654 | $451K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 312 | $720K |
| Other(13 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 654 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,337 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.