| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 959920681 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $131K | $145K | 5.35% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | SERVICES LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.16% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.31% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.43% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.71% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.80% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.07% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $870 | $870 | 2.51% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.40% |
| ENROLLMENT ALLIANCE LLC5 | 1724 E 5TH AVE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $404 | $404 | 3.70% |
| PARMINDER KAUR DHARNI3 | PO BOX 681 YUBA CITY, CA 95992 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $404 | — | $404 | 10.56% |
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 | 800 | 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) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 930 | $2.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $11K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 774 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $146K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $36K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 930 | $2.7M |
| Other(9 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 774 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.