| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE SUITE 105 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.70% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE SUITE 105 FRESNO, CA 93711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 15.61% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE INSURANCE SERVIC | 7395 N PALM BLUFFS AVE STE 105 FRESNO, CA 93711 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $8K | — | $8K | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $118K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $92K |
| RENBERG COMPLIANCE & INSURANCE SERV EIN 77-0565110 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $90K |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $191K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $191K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $743K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
No prospect flags tripped on this filing.