| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARLOCKER INSURANCE AGENCY INC3 Filed as: BARLOCKER INSURANCE AGENCY, INC. | 1394 E. ALLUVIAL AVENUE FRESNO, CA 93720 | CYPRESS DENTAL ADMINISTRATORS | $5K | — | $5K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 HILLSDALE BLVD, #201 SAN MATEO, CA 94402 | CYPRESS DENTAL ADMINISTRATORS | $3K | — | $3K | 5.00% |
| BARLOCKER INSURANCE AGENCY INC3 | 470 E HERNDON AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.73% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 4.87% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | — | $890 | 1.87% |
| ESTRADA ENTERPRISES LLC3 | 5340 EDGEVIEW DRIVE DISCOVERY BAY, CA 94505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $2 | $692 | 1.46% |
| ANTONIO JOSE ANGELES3 | 205 E ALMA AVE SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | — | $634 | 1.33% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $2 | $50 | 0.11% |
| BARLOCKER INSURANCE AGENCY INC3 | 470 E HERNDON AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.66% |
| CATHERINE LISA LUKE3 | 9351 OAK VIEW DR OAKDALE, CA 95361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| BRUCE NAM NGUYEN3 | 207 PEPPERMINT TREE TER UNIT 9 SUNNYVALE, CA 94086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $381 | $861 | 1.92% |
| EDWARD JOHN ROTH3 | 6966 GREGORICH DR UNIT F SAN JOSE, CA 95138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $757 | $99 | $856 | 1.91% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | — | $765 | 1.70% |
| DAVID ROY VIACCHIO3 Filed as: DAVID ROY VACCHIO | 1319 BEACH ST SAN LUIS OBISPO, CA 93401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $265 | $619 | 1.38% |
| JOSE A MORALES3 | 1845 LONDON WAY SALINAS, CA 93906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $3 | $376 | 0.84% |
| JAN HEJRET3 | 644 N 17TH ST SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $171 | $254 | 0.57% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 316 CROCKER ST UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $106 | $216 | 0.48% |
| ANTONIO JOSE ANGELES3 | 205 E ALMA AVE SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $71 | $116 | 0.26% |
| ESTRADA ENTERPRISES LLC3 | 5340 EDGEVIEW DR DISCOVERY BAY, CA 94505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.22% |
| MICHAEL JAMES LEBRANE3 | 808 E 5TH AVE APT A SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.14% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY & BASIN INSURANCE AGENCY | 371 MAIN STREET SALINAS, CA 93901 | CYPRESS DENTAL ADMINISTRATORS | $4K | — | $4K | 9.97% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 HILLSDALE BLVD, #201 SAN MATEO, CA 94402 | CYPRESS DENTAL ADMINISTRATORS | $2K | — | $2K | 5.00% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $890 | — | $890 | 9.65% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | ATTN VIVIAN LEUS 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $302 | $302 | 3.28% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOCIATION | PO BOX 130 CEDAR CITY, UT 847210135 | PRINCIPAL LIFE INSURANCE COMPANY | — | $51 | $51 | 0.55% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $660 | — | $660 | 10.26% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 7.21% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $218 | — | $218 | 3.72% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $790 | — | $790 | 15.12% |
| BARLOCKER INSURANCE AGENCY INC3 | 1394 E ALLUVIAL AVE STE 101 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $524 | — | $524 | 10.73% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 5.69% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CYPRESS DENTAL ADMINISTRATORS | 112 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $9K |
| Life insurance(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $115K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $92K |
| Other(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 144 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.