| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSHALL PIERSON, INC.3 | PO BOX 2158 SALINAS, CA 93902 | PREMIER ACCESS INSURANCE COMPANY | $33K | $0 | $33K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 6005 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $13K | $0 | $13K | 2.27% |
| BERNARD R. PIERSON3 | 209 PAJARO STREET, SUITE B SALINAS, CA 93901 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 9.63% |
| MJ INSURANCE3 Filed as: KARLA ANN ODELL AND VARIOUS AGENTS | 600 2ND STREET SOUTH, APARTMENT 1 COLD SPRING, MN 56320 | AFLAC | $439 | $0 | $439 | 2.56% |
| FIDELIA CARBAJAL KOBAYASHI3 | 414 KAREN COURT MARINA, CA 93933 | AFLAC | $394 | $0 | $394 | 2.29% |
| CYNDY M. PIERSON3 | 820 PARK ROW, PMB 409 SALINAS, CA 93901 | AFLAC | $355 | $0 | $355 | 2.07% |
| BONNIE C. SATO3 | 2515 MUIRFIELD WAY GILROY, CA 95020 | AFLAC | $203 | $0 | $203 | 1.18% |
| DERRECK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $185 | $0 | $185 | 1.08% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP, INC. | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $144 | $0 | $144 | 0.84% |
| JULIE L. VOGADO3 | 1530 KENNETH STREET SEASIDE, CA 93955 | AFLAC | $134 | $0 | $134 | 0.78% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,991 | $554K |
| Vision(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 1,991 | $572K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 569 | $246K |
| Short-term disability | AFLAC | 21 | $17K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 569 | $229K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 569 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,991 | — |
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.