| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DERENDINGER INSURANCE AGENCY, INC.3 | PO BOX 10134 SAN JOSE, CA 95157 | STANDARD INSURANCE COMPANY | $76K | — | $76K | 11.06% |
| DERENDINGER INSURANCE AGENCY, INC.3 | 1133 SARATOGA AVENUE SAN JOSE, CA 95129 | AMERICAN HERITAGE LIFE INSURANCE | $15K | — | $15K | 3.87% |
| TERI B. KIDD3 | 3012 SANDHURST CT. SACRAMENTO, CA 95821 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.70% |
| ROBERT B. SUHR & COMPANY3 Filed as: ROBERT VARICH | 1125 SARATOGA AVENUE SAN JOSE, CA 95129 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.27% |
| DERENDINGER INSURANCE AGENCY, INC.3 | 1133 SARATOGA AVENUE BOX 9307 SAN JOSE, CA 95157 | REASSURE AMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.73% |
| DERENDINGER INSURANCE AGENCY, INC.3 | 1133 SARATOGA AVENUE SAN JOSE, CA 95129 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | — | $2K | 12.01% |
| CRS MARKETING3 Filed as: CRS MARKETING AGENCY INC. | PO BOX 161630 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $607 | — | $607 | 4.12% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 S. MCCARRAN BLVD STE 2040 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $73 | — | $73 | 0.50% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING | PO BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $56 | — | $56 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLER KAPLAN ARASE LLP EIN 95-2036255 N/A | Accounting (including auditing) Service code 10 | 3900 W. ALAMEDA AVE. STE. 2400 BURBANK, CA 91505 | $20K |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 837 | $389K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,341 | $691K |
| Other(2 contracts, 2 carriers) | REASSURE AMERICA LIFE INSURANCE COMPANY | 253 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,341 | — |
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.