| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC | 1730 1ST STREET SUITE 240 SACRAMENTO, CA 95811 | GUARDIAN | $47K | — | $47K | 3.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | GUARDIAN | $47K | — | $47K | 3.76% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC DBA OMEGACOMP HR | 2600 CAPITOL AVENUE SUITE 340 SACRAMENTO, CA 95816 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 6.73% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC DBA OMEGACOMP HR | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $934 | — | $934 | 0.84% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC DBA OMEGACOMP HR | 2600 CAPITOL AVENUE SUITE 340 SACRAMENTO, CA 95811 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $56 | — | $56 | 6.61% |
| JD ALLMAN, INC.3 Filed as: JD ALLMAN INC DBA OMEGACOMP HR | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 0.83% |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 978 | $112K |
| Life insurance | GUARDIAN | 1,846 | $1.2M |
| Short-term disability | GUARDIAN | 1,846 | $1.2M |
| Long-term disability | GUARDIAN | 1,846 | $1.2M |
| Other | GUARDIAN | 1,846 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,846 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.