| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MENGARELLI INSURANCE SERVICES LLC3 | 101 2ND ST SUITE 100 PETALUMA, CA 94952 | TOKIO MARINE HCC | $75K | $0 | $75K | 11.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 2111 EAST HIGHLAND AVE. SUITE B210 PHEONIX, AZ 85016 | TOKIO MARINE HCC | $16K | $5K | $21K | 3.14% |
| CAPITAL PEAK LLC3 | 101 2ND STREET SUITE 100 PETALUMA, CA 94952 | TOKIO MARINE HCC | $8K | $0 | $8K | 1.26% |
| INNOVATIVE COST MANAGEMENT SERVICES3 Filed as: INNOVATIVE COST MANAGMENT SERVICES | 95 S MART ST SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 6.44% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.01% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 SOUTH MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | $254 | $888 | 5.98% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.22% |
| INNOVATIVE COST MANAGEMENT SERVICES3 Filed as: INNOVATIVE COST MANAGMENT SERVICES | 95 S MART ST STE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $339 | $136 | $475 | 5.97% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.40% |
| INNOVATIVE COST MANAGEMENT SERVICES3 | 95 SOUTH MARKET STREET, SUITE 600 SAN JOSE, CA 95113 | METROPOLITAN LIFE INSURANCE COMPANY | $803 | $0 | $803 | 16.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $80 | $281 | 5.90% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.67% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | TOKIO MARINE HCC | 355 | $690K |
| Dental | TOKIO MARINE HCC | 355 | $663K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $218K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $218K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.