| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP DESIGN PROFESSIONALS INSURANCE3 | 3697 MT. DIABLO BLVD SUITE 230 LAFAYETTE, CA 94549 | GUARDIAN | $6K | $3K | $10K | — |
| AP DESIGN PROFESSIONALS INSURANCE3 | 3697 MT. DIABLO BLVD SUITE 230 LAFAYETTE, CA 94549 | GUARDIAN | $11K | $2K | $12K | — |
| AP DESIGN PROFESSIONALS INSURANCE3 | 3697 MT. DIABLO BLVD SUITE 230 LAFAYETTE, CA 94549 | GUARDIAN | $1K | $130 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES EIN 68-0306908 NONE | Contract Administrator Service code 13 | 80 IRON POINT CIRCLE STE 200 FOLSOM, CA 95630 | $55K |
| JOHN WADDELL & CO CPAS EIN 94-2329070 NONE | Accounting (including auditing) Service code 10 | 3416 AMERICAN RIVER DRIVE SUITE A SACRAMENTO, CA 95864 | $28K |
| EMPLOYEE BENEFITS LAW GROUP NONE | Legal Service code 29 | 620 COOLIDGE D455 FOLSOM, CA 956303155 | $19K |
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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 253 | $0 |
| Vision(2 contracts) | MESVISION | 107 | $0 |
| Life insurance(2 contracts) | GUARDIAN | 275 | $0 |
| Short-term disability | GUARDIAN | 275 | $0 |
| Long-term disability | GUARDIAN | 275 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
No prospect flags tripped on this filing.