| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | — | $1K | $1K | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | — | $135 | $135 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.13% |
| STEVENS RANDOLPH3 | 2361 19TH AVENUE KINGSBURG, CA 93631 | ALLSTATE BENEFITS | $1K | — | $1K | 8.43% |
| MERETHE DYER3 | 3104 O STREET STE 308 SACRAMENTO, CA 95816 | ALLSTATE BENEFITS | $18 | — | $18 | 0.14% |
| NORA FERRANNINI3 | 11919 SILVER CLIFF WAY GOLD RIVER, CA 95670 | ALLSTATE BENEFITS | $12 | — | $12 | 0.09% |
| MFG RETIREMENT SYSTEMS INC3 Filed as: MFG RETIREMENT SYSTEMS INS. SVCS. | 2377 GOLD MEADOW WAY #250 GOLD RIVER, CA 95670 | ALLSTATE BENEFITS | $10 | — | $10 | 0.08% |
| IANTHA MINER3 | 472 ROCKVIEW ST MORRO BAY, CA 93442 | ALLSTATE BENEFITS | $3 | — | $3 | 0.02% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 365 | $4.7M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 620 | $427K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 620 | $427K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $47K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 148 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.