| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL INSURANCE SERVICES, INC.3 | 10471 GRANT LINE RD STE 100 ELK GROVE, CA 95624 | RELIASTAR LIFE INSURANCE COMPANY | — | $64K | $64K | 3.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SVCS INC | 620 W CROMWELL AVE STE 106 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | — | $66K | 15.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SVCS INC | 620 W CROMWELL AVE STE 106 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| NATIONAL BENEFITS PARTNER LLC Filed as: NATIONAL BENEFITS PARTNER INSURANCE | 1441 W UTE BLVD STE 260 PARK CITY, UT 84098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $703 | — | $703 | 1.42% |
| VILLANE WARD INSURANCE SERVICES Filed as: VILLANE WARD INSURANCE SVCS, INC. | 5060 N FRUIT AVE FRESNO, CA 93711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.52% |
| CHILD HEALTH CORPORATION OF AMERICA | 16011 COLLEGE BLVD STE 250 LENEXA, KS 66219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.13% |
| NATIONAL BENEFITS PARTNER LLC | 181 E 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS HEALTH ADMINISTRATORS LLC EIN 82-2891309 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | PO BOX 25190 FRESNO, CA 93759 | $514K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | PO BOX 629018 EL DORADO HILLS, CA 95762 | $436K |
| CAPITOL ADMINISTRATORS EIN 68-0116790 CONTRACT ADMIN FOR HEALTH | Contract Administrator Service code 13 | 10951 WHITE ROCK RD STE 100 RANCHO CORDOVA, CA 95670 | $130K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CONTRACT ADMIN FOR DENTAL | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $97K |
| VISION SERVICE PLAN EIN 94-1632821 CONTRACT ADMIN FOR VISION | Contract Administrator Service code 13 | PO BOX 997100 SACRAMENTO, CA 95899 | $43K |
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 | 3,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,992 | $190K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,992 | $440K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,623 | $2.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,992 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,992 | — |
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.