| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA | $292K | — | $292K | 22.63% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM | $9K | — | $9K | 1.22% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA | $44K | — | $44K | 6.19% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | FIDELITY SECURITY LIFE | $2K | — | $2K | 1.07% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF CALIFORNIA | $2K | — | $2K | 6.25% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF NORTH CAROLINA | — | $691 | $691 | 6.25% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF FLORIDA | $398 | $398 | $796 | 12.48% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF TEXAS | $347 | — | $347 | 6.24% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF ILLINOIS | $241 | — | $241 | 6.24% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF NEW JERSEY | $135 | — | $135 | 6.24% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF DELAWARE | $44 | — | $44 | 6.27% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF OHIO | $22 | — | $22 | 6.27% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF PENNSYLVANI | $18 | — | $18 | 6.16% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF MARYLAND | — | — | $0 | 0.00% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA DENTAL HEALTH OF KANSAS | $7 | — | $7 | 5.98% |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(12 contracts, 12 carriers) | CIGNA | 921 | $769K |
| Vision | FIDELITY SECURITY LIFE | 2,127 | $166K |
| Life insurance | UNUM | 1,140 | $762K |
| Long-term disability | UNUM | 1,140 | $762K |
| Stop-loss / reinsurancereinsurance | CIGNA | 856 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM | 1,140 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,127 | — |
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.