| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF CA I | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | UNITED STATES FIRE INSURANCE | $54K | — | $54K | 6.91% |
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD SUITE 100 ELK GROVE, CA 95624 | UNITED STATES FIRE INSURANCE | $36K | — | $36K | 4.61% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN LOUIS WENDER | 635 BARSTOW AVE STE 13 CLOVIS, CA 93611 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 20.40% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES OF CA I | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | AMERITAS LIFE INSURANCE CORP | $3K | $62 | $3K | 15.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH I EIN 95-4331852 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | MAIL DROP OH3403-A266 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $103K |
| HEALTHCOMP INC EIN 77-0385729 ASO | Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Recordkeeping fees; Contract Administrator; Consulting fees Service code 12 | 621 SANTA FE FRESNO, CA 93721 | $100K |
| TEAMSTER ALCOHOL REHAB PROGRAM EIN 94-2875955 REHABILITATION ADMIN | Contract Administrator Service code 13 | 1620 N CARPENTER ROAD C-12 MODESTO, CA 95351 | $7K |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 298 | $21K |
| Vision | VISION SERVICE PLAN | 298 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $23K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 297 | $785K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.