| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 1.00% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 75004 PETALUMA, CA 85018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCCE SERVICES DBA ARROW B | ONE WILLOWBROOK CT SUITE 230 PETALUMA, CA 94954 | RELIANCE STANDARD | $1K | $0 | $1K | 10.44% |
| EMERSON REID LLC3 Filed as: EMERSON LLC | 52000 N PALM AVE SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD | $504 | $0 | $504 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROGERS BENEFIT GROUP ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | $15K |
| SSM INSURANCE SERVICES DBA ARROW ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | ONE WILLOWBROOK CT STE 230 PETALUMA, CA 94954 | $8K |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $1.5M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $132K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $132K |
| Short-term disability | RELIANCE STANDARD | 140 | $10K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
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.