| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE, #301 BLUE BELL, PA 19422 | BROKERAGE CONCEPTS, INC. | $128K | $815K | $943K | 7.53% |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $106K | $106K | 10.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SV | 701 B STREET, #600 SAN DIEGO, CA 92101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $66K | — | $66K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FI | 4851 LBJ FREEWAY, #1100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | BLUE SHIELD OF CALIFORNIA | — | $498K | $498K | 213.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 10.05% |
| ANCILLARY INSURANCE SOLUTIONS3 | 555 W. SHAW AVENUE, #C1 FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 555 W, SHAW AVENUE, #C1 FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.95% |
| VISION SERVICE PLAN5 | — | VISION SERVICE PLAN | — | $25K | $25K | 12.28% |
| HUMAN RESOURCE ASSOCIATES5 | 1106 N. CHINOWTH VISALIA, CA 93291 | HUMAN RESOURCE ASSOCIATES | — | $55K | $55K | 100.00% |
| PERFORMACE PLUS5 | 1223 W. MULBERRY SHERMAN, TX 75092 | PERFORMANCE PLUS | — | $20K | $20K | 100.00% |
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 | 2,452 | 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) | 2,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BROKERAGE CONCEPTS, INC. | 2,172 | $12.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,467 | $987K |
| Vision | VISION SERVICE PLAN | 2,440 | $206K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,784 | $652K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,784 | $439K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA | 2,172 | $234K |
| Other(4 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,784 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,467 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.