| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | 2443 FILLMORE STREET, SUITE 3807361 SAN FRANCISCO, CA 94115 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | $311 | $7K | 1.72% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 NORTH GAINEY CENTER DRIVE SUITE 26 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $4K | $4K | 1.06% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 0.55% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $845 | $845 | 0.21% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $1K | $25K | 11.80% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES | 2443 FILLMORE STREET, SUITE 3807361 SAN FRANCISCO, CA 94115 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $557 | $12K | 5.60% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.75% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 NORTH GAINEY CENTER DRIVE SUITE 26 SCOTTSDALE, AZ 85258 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.78% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 376 | $403K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 376 | $403K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $209K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $209K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $209K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 428 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
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.