| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 949750004 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.86% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC. | 8777 N GAINEY CENTER DR SUITE 26 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.82% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $155 | $155 | 0.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | VISION SERVICE PLAN | $624 | $0 | $624 | 9.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERIVCES, INC. | PO BOX 750004 PETALUMA, CA 94975 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.03% |
| ARROW BENEFITS GROUP3 | PO BOX 750004 PETALUMA, CA 94975 | CLAREMONT BEHAVIORAL SERIVCES, INC. | $260 | $0 | $260 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES ADMINISTRATORS | Contract Administrator Service code 13 | PO BOX 750004 PETALUMA, CA 94975 | $5K |
| ALTERITY BROKER SOLUTIONS, INC. ADMINISTRATORS | Contract Administrator Service code 13 | 8777 N GAINEY CENTER DR SUITE 26 SCOTTSDALE, AZ 85258 | $3K |
| ARROW BENEFITS GROUP ADMINISTRATORS | Contract Administrator Service code 13 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 94954 | $260 |
| TRUE NETWORK ADVISORS ADMINISTRATORS | Contract Administrator Service code 13 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | $155 |
| SSM INSRUANCE SERVICES INC BROKER | Contract Administrator; Other commissions Service code 13 | PO BOX 750004 PETALUMA, CA 94975 | $2 |
| EMERSON REID, LLC ADMINISTRATORS | Contract Administrator Service code 13 | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | $0 |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 148 | $68K |
| Vision | VISION SERVICE PLAN | 74 | $7K |
| Other | CLAREMONT BEHAVIORAL SERIVCES, INC. | 189 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.