| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $507 | $5 | $512 | 2.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2ND FLOOR 10940 WHITE ROCK ROCK ROAD RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $237 | — | $237 | 0.96% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | — | $116 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BUOULEVARD, SUITE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 83.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 42.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. LLC | 2ND FLOOR 109401 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$12K | — | -$12K | -64.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 21700 OXNARD STREET SUITE 2000 WOODLAND HILLS, CA 91367 | ARAG INSURANCE COMPANY | $252 | — | $252 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. QUALIFIED SOLUTIONS | GROUP 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 24 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $233K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $233K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.