| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNER | 81-5191759 1540 CORNERSTONE BLVD STE 230 DAYTONA BEACH, FL 32117 | WELLPOINT STOP LOSS | — | $32K | $32K | 5.00% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE SUITE 105 FRESNO, CA 93711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 14.51% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INSURANCE | SERVICES INC 7395 N PALM BLUFFS AVE #105 FRESNO, CA 93711 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $5K | — | $5K | 13.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $168K |
| RENBERG COMPLIANCE & INSURANCE SERV EIN 77-0565110 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $90K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $41K |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 799 | $15K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 795 | $231K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $191K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $191K |
| Stop-loss / reinsurancereinsurance | WELLPOINT STOP LOSS | 0 | $635K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 636 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.
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.