| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACE EMERSON BAIRD3 | 3275 W. FIGARDGEN DRIVE BLDG 2, SUITE 1200 FRESNO, CA 93711 | TOKIO MARINE HHC | $46K | — | $46K | — |
| XL BENEFITS INSURANCE3 | 3125 DWIGHT ROAD SUITE 400C ELK GROVE, CA 95758 | TOKIO MARINE HHC | $23K | — | $23K | — |
| CRESTWOOD CAPITAL CORP3 | 515 W CENTER AVE VISALIA, CA 932916019 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| JACE EMERSON BAIRD3 | PO BOX 9050 FRESNO, CA 93790 | UNITED OF OMAHA LIFE INS CO | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $69K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $49K |
| JACE EMERSON BAIRD EIN 56-5372995 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $8K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HHC | 119 | $0 |
| Other | UNITED OF OMAHA LIFE INS CO | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.