| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVENS RANDOLPH3 | 2361 19TH AVENUE KINGSBURG, CA 93631 | ALLSTATE BENEFITS | $474 | — | $474 | 3.91% |
| MERETHE DYER3 | 3104 O STREET STE 308 SACRAMENTO, CA 95816 | ALLSTATE BENEFITS | $71 | — | $71 | 0.59% |
| MFG RETIREMENT SYSTEMS INC3 Filed as: MFG RETIREMENT SYSTEMS INS. SVCS. | 2377 GOLD MEADOW WAY #250 GOLD RIVER, CA 95670 | ALLSTATE BENEFITS | $69 | — | $69 | 0.57% |
| NORA FERRANNINI3 | 11919 SILVER CLIFF WAY GOLD RIVER, CA 95670 | ALLSTATE BENEFITS | $58 | — | $58 | 0.48% |
| IANTHA MINER3 | 472 ROCKVIEW ST MORRO BAY, CA 93442 | ALLSTATE BENEFITS | $3 | — | $3 | 0.02% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED DOCUMENT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 5.35% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 289 | $4.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $573K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $573K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $585K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $573K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $573K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 160 | $1.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 358 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.