| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL GENERAL INSURANCE COMPANY | PO BOX 619999 DALLAS, TX 75861 | NATIONAL GENERAL INSURANCE COMPANY | — | $270K | $270K | 20.55% |
| NATIONAL GENERAL INSURANCE COMPANY | 1515 NORTH RIVERCENTER DRIVE SUIET 135 MILWAUKEE, WI 53212 | NATIONAL GENERAL INSURANCE COMPANY | — | $144K | $144K | 10.97% |
| THOMAS K AVERY | 520 CAPITOL MALL SUITE 500 SACRAMENTO, CA 95814 | NATIONAL GENERAL INSURANCE COMPANY | $84K | — | $84K | 6.38% |
| RELATION INSURANCE SERVICES OF CA Filed as: RELATION INSURANCE SERVICES | 111 WOODMERE RD SUITE 270 FOLSOM, CA 95630 | GUARDIAN LIFE INSURANCE | $16K | — | $16K | 6.45% |
| ENROLLEASE | 6600 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE | -$1K | — | -$1K | -0.50% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL GENERAL INSURANCE COMPANY | 106 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE | 169 | $247K |
| Vision | GUARDIAN LIFE INSURANCE | 169 | $247K |
| Life insurance | GUARDIAN LIFE INSURANCE | 169 | $247K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 169 | $247K |
| Other | GUARDIAN LIFE INSURANCE | 169 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.