| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $261K | — | $261K | 15.06% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | — | $44K | $44K | 6.20% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 10.17% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | EYEMED | — | — | $0 | 0.00% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $669 | — | $669 | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $384 | — | $384 | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 48.10% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $297 | — | $297 | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $297 | — | $297 | 6.26% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $238 | — | $238 | 6.25% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $122 | — | $122 | 6.25% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | FIRST UNUM LIFE INSURANCE COMPANY | $47 | — | $47 | 2.79% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | — | $41 | $41 | 6.30% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $12 | — | $12 | 6.45% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $6 | — | $6 | 6.45% |
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 | 2,351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 1,023 | $1.7M |
| Dental(12 contracts) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 995 | $822K |
| Vision | EYEMED | 2,460 | $168K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 820 | $505K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 820 | $437K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 820 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,460 | — |
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.