| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 88382 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 4.48% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2251 DOUGLAS BLVD SUITE 115 ROSEVILLE, CA 91446 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 1.27% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 15.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP DBA ALTERITY GROUP | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $446 | $0 | $446 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 88382 | $76K |
| ROGERS BENEFIT GROUP INC CA ADMINISTRATOR | Contract Administrator Service code 13 | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 82867 | $21K |
| NFP DBA ALTERITY GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | $446 |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $1.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $9K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 107 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.