| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACE EMERSON BAIRD3 Filed as: JACE BAIRD | PO BOX 9050 FRESNO, CA 93790 | BCS INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| CRESTWOOD CAPITAL CORP3 | 515 W CENTER AVE VISALIA, CA 932916019 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.29% |
| JACE EMERSON BAIRD3 | PO BOX 9050 FRESNO, CA 937909050 | UNITED OF OMAHA LIFE INS CO | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $130K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Claims processing; Float revenue; Contract Administrator; Direct payment from the plan Service code 12 | — | $68K |
| JERRY BAIRD INS EIN 94-2208228 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $13K |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $71K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 309 | $365K |
| Other | UNITED OF OMAHA LIFE INS CO | 290 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.