| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CALIFORNIACHOICE | $25K | — | $25K | 2.95% |
| LEAVITT GROUP3 Filed as: LEAVITT UNTED INSURANCE | 3245 W. FIGARDEN DRIVE FRESNO, CA 93711 | CALIFORNIACHOICE | $17K | — | $17K | 2.01% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N. 16TH STREET PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH STREET PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.84% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.71% |
| VEXIS INSURANCE SOLUTIONS3 | 7310 N. 16TH STREET FRESNO, CA 93729 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $10K | $24K | 100.19% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 103 | $854K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $146K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $146K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $169K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $24K |
| Prescription drug | CALIFORNIACHOICE | 103 | $854K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.