| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TINA BARLOCKER/BARLOCKER INSURANCE3 | SERVICES 371 MAIN ST. SALINAS, CA 939012705 | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | $32K | — | $32K | 3.36% |
| BARLOCKER INSURANCE AGENCY INC3 | DBA BARLOCKER 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.77% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | ATTN VIVIAN LEUS 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | — | $560 | $560 | 4.57% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 134 | $962K |
| Dental | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 134 | $962K |
| Vision(2 contracts, 2 carriers) | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 143 | $975K |
| Life insurance | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 134 | $962K |
| Prescription drug | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 134 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.