| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS SERVICE | $0 | $6K | $6K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DRIVE CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $28K | $28K | 1.79% |
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 | 398 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 388 | $7.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 398 | $813K |
| Vision | VISION SERVICE PLAN | 332 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 408 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 408 | $1.5M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 388 | $7.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 408 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.