| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUHAMMAD ALI3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $137K | — | $137K | 12.04% |
| MUHAMMAD ALI3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 950543258 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 4.08% |
| MUHAMMAD ALI3 | — | DELTA DENTAL OF CALIFORNIA | $39K | — | $39K | 10.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNMUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.44% |
| TYCHO INSURANCE SERVICES3 | 3080 OLCOTT ST SUITE A200 SANTA CLARA, CA 95054 | VISION SERVICE PLAN | $7K | — | $7K | 10.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $3K | $72 | $3K | 14.03% |
| ALI, MUHAMMAD3 | 3080 OLCOTT ST STE A200 SANTA CLARA, CA 95054 | UNUM INSURANCE COMPANY | $2K | $44 | $2K | 12.61% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 623 | $387K |
| Vision | VISION SERVICE PLAN | 302 | $74K |
| Life insurance(2 contracts, 2 carriers) | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $254K |
| Short-term disability | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $217K |
| Long-term disability | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $217K |
| Other(5 contracts, 3 carriers) | UNMUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.