| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVICE | 24560 SILVER CLOUD CT. STE. 106 MONTEREY, CA 93940 | BLUE SHIELD OF CALIFORNIA | $37K | — | $37K | 2.46% |
| CRAIG O BRUCKNER BRS FINANCIAL GROU3 | 7447 N. FIRST ST. STE. 100 FRESNO, CA 93720 | BLUE SHIELD OF CALIFORNIA | $37K | — | $37K | 2.46% |
| ROGERS BENEFIT GROUP INC4 Filed as: WELDON G KERR RBG SAN JOSE | 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | BLUE SHIELD OF CALIFORNIA | — | $30K | $30K | 1.97% |
| PLAN BENEFIT SERVICES INC5 Filed as: PLAN BENEFIT SERVICE INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | METLIFE | — | $4K | $4K | 5.02% |
| FRINGE INSURANCE BENEFITS, INC.5 Filed as: FRINGE INSURANCE BENEFIT INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | METLIFE | — | $4K | $4K | 5.02% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVICE | 24560 SILVER CLOUD CT SUITE 106 MONTEREY, CA 93940 | METLIFE | $2K | — | $2K | 2.51% |
| CRAIG O BRUCKNER BRS FINANCIAL GROU3 | 7447 N FIRST ST SUITE 100 FRESNO, CA 93720 | METLIFE | $2K | — | $2K | 2.51% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 136 | $1.5M |
| Dental | METLIFE | 136 | $86K |
| Vision | METLIFE | 136 | $86K |
| Life insurance | METLIFE | 136 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.