| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 4.94% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 220 WEST, 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.72% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF HOLDCO LLC | 2500 WEST EXECUTIVE PARKWAY SUITE 200 LEHI, UT 84043 | VISION SERVICE PLAN | $848 | $0 | $848 | 6.65% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $104K |
| Vision | VISION SERVICE PLAN | 70 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $78K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.