| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIGOTT FINANCIAL CORPORAT4 Filed as: PIGOTT FINANCIAL CORPORATION | 952 POLLASKY AVE CLOVIS, CA 93612 | COMPANION LIFE INSURANCE COMPANY OF CALIFORNIA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FOUNDATION FOR MEDICAL CARE EIN 94-1623803 | Claims processing Service code 12 | 3335 S FAIRWAY VISALIA, CA 93277 | $25K |
| GILMAN HARRIS TRAVIOLI SLOVER EIN 77-0428588 | Other services Service code 49 | 313 E CALDWELL AVE VISALIA, CA 93277 | $8K |
| BORCHARDT CORONA FAETH & ZAKARIAN EIN 77-0314847 | Accounting (including auditing) Service code 10 | 1180 E SHAW AVE 110 FRESNO, CA 93710 | $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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INS. | 0 | $6K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY OF CALIFORNIA | 0 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.