| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACE EMERSON BAIRD3 | 3275 W. FIGARDGEN DRIVE BLDG 2, SUITE 1200 FRESNO, CA 93711 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 10.00% |
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD SUITE 1200 ELK GROVE, CA 95624 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| CRESTWOOD CAPITAL CORP3 | 515 W CENTER AVE VISALIA, CA 932916019 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.56% |
| JACE EMERSON BAIRD3 | PO BOX 9050 FRESNO, CA 93790 | UNITED OF OMAHA LIFE INS CO | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $112K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue Service code 12 | — | $53K |
| JACE EMERSON BAIRD EIN 56-5372995 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 308 | $63K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $545K |
| Other | UNITED OF OMAHA LIFE INS CO | 235 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.