| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARLOCKER INSURANCE AGENCY INC3 | 470 E HERNDON AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.17% |
| ANTONIO JOSE ANGELES3 | 1858 ALLISON WAY SAN JOSE, CA 95132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $951 | — | $951 | 1.86% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | — | $900 | 1.76% |
| ROSA MURILLO PUENTE3 | 722 W AMBERWOOD DR PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | — | $349 | 0.68% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 0.67% |
| JULIA JOANNA PUJOLS3 | 10720 WALLACE LN DUBLIN, CA 94568 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $2 | $270 | 0.53% |
| BARLOCKER INSURANCE AGENCY INC3 Filed as: BARLOCKER INSURANCE AGENCY, INC. | 1394 E. ALLUVIAL AVENUE FRESNO, CA 93720 | CYPRESS DENTAL ADMINISTRATORS | $5K | — | $5K | 10.36% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 HILLSDALE BLVD, #201 SAN MATEO, CA 94402 | CYPRESS DENTAL ADMINISTRATORS | $2K | — | $2K | 4.99% |
| BARLOCKER INSURANCE AGENCY INC3 | 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $599 | — | $599 | 5.55% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $354 | — | $354 | 3.28% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | ATTN VIVAN LEUS 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | $327 | — | $327 | 3.03% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 2 ENTERPRISE DR STE 204 SHELTON, CT 064844657 | PRINCIPAL LIFE INSURANCE COMPANY | — | $116 | $116 | 1.07% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOCIATION | PO BOX 130 CEDAR CITY, UT 847210135 | PRINCIPAL LIFE INSURANCE COMPANY | — | $116 | $116 | 1.07% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $645 | — | $645 | 9.01% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $681 | — | $681 | 13.50% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CYPRESS DENTAL ADMINISTRATORS | 130 | $50K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $11K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $63K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $51K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 165 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.