| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 959920681 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $77K | $77K | 3.05% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 1.90% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $17K | 12.32% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.26% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $918 | $13K | 9.89% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.31% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.68% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.85% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.45% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.07% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $674 | $5K | 10.61% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | — | $378 | 0.78% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $671 | $5K | 11.48% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.42% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $863 | $4K | 12.41% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $113 | $2K | 8.08% |
| DHARNI, PARMINDER3 | PO BOX 681 YUBA CITY, CA 95992 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.28% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $266 | — | $266 | 4.64% |
| PARMINDER KAUR DHARNI3 Filed as: PARMINDER DHARNI | PO BOX 681 YUBA CITY, CA 95992 | BLUE CROSS BLUE SHIELD OF ARIZONA | $10K | — | $10K | — |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | BLUE CROSS BLUE SHIELD OF ARIZONA | $725 | — | $725 | — |
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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 475 | $2.6M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $134K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $54K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 839 | $185K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $36K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 475 | $2.5M |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 839 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.