| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 6.13% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 8.31% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 10.59% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.17% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 15.00% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.62% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 41.00% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $703 | — | $703 | 6.25% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $418 | — | $418 | 6.25% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $364 | — | $364 | 6.25% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $203 | — | $203 | 6.26% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $137 | — | $137 | 6.27% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62 | — | $62 | 6.24% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $50 | $50 | 6.30% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29 | — | $29 | 6.26% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $42 | $42 | 9.50% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25 | — | $25 | 6.30% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21 | $21 | 6.34% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17 | — | $17 | 6.42% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17 | — | $17 | 6.42% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12 | — | $12 | 6.03% |
| IFS BENEFITS LLC Filed as: IFS | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8 | — | $8 | 6.06% |
| DOMINIC CARRADERO | 117 BERNAL ROAD #70256 SAN JOSE, CA 95119 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$11 | — | -$11 | -33.33% |
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 | 1,869 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(16 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 774 | $692K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,942 | $132K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $647K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $575K |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $806K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,942 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.