| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MALLOY IMRIE & VASCONI INS. SVCS3 Filed as: MALLOY IMRIE & VASCONI INS SVCS LLC | PO BOX 725 SAINT HELENA, CA 94574 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 4.71% |
| MALLOY IMRIE & VASCONI INS SERVICES3 | 899 ADAMS STREET, SUITE C SAINT HELENA, CA 94574 | SUTTER HEALTH PLAN | $16K | $0 | $16K | 5.00% |
| MALLOY IMRIE & VASCONI INS. SVCS3 Filed as: MALLOY IMRIE & VASCONI | PO BOX 725 SAINT HELENA, CA 94574 | VISION SERVICE PLAN | $825 | $0 | $825 | 6.83% |
| MALLOY IMRIE & VASCONI INS. SVCS3 Filed as: MALLOY IMRIE & VASCONI INS SVCS LLC | PO BOX 725 SAINT HELENA, CA 94574 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | $0 | $476 | 4.99% |
| MALLOY IMRIE & VASCONI INS SERVICES3 | 176 GATEWAY ROAD EAST NAPA, CA 94558 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $763 | $0 | $763 | 11.00% |
| MALLOY IMRIE & VASCONI INS. SVCS3 Filed as: MALLOY IMRIE & VASCONI INS SVCS LLC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 36.08% |
No Schedule C service providers reported on this filing.
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 65 | $995K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 185 | $6K |
| Vision | VISION SERVICE PLAN | 110 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $7K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 135 | $10K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 65 | $995K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.