| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG O BRUECKNER OF BRS FINANCIAL3 | 560 CRAZY HORSE CANYON ROAD SALINAS, CA 93907 | BLUE SHIELD OF CALIFORNIA | $42K | $47 | $42K | 2.29% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVICES | 700 CAMINO EL ESTRO MONTEREY, CA 93940 | BLUE SHIELD OF CALIFORNIA | $42K | — | $42K | 2.29% |
| ROGERS BENEFIT GROUP INC4 Filed as: KERR WILDON RBG SAN JOSE | 6155 ALMADEN EXPRESSWAY # 210 SAN JOSE, CA 95120 | BLUE SHIELD OF CALIFORNIA | — | $34K | $34K | 1.83% |
| ROGERS BENEFIT GROUP INC4 | 6155 ALMADEN EXPRESSWAY STE # 210 SAN JOSE, CA 951240004 | PRINCIPAL LIFE INSURANCE COMPANY | — | $321 | $321 | 4.86% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 155 | $1.8M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.