| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 EAST SECOND STREET, SUITE 1300 RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $190K | $11K | $202K | 11.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 5763 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.30% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES | 300 EAST SECOND STREET, SUITE 1300 RENO, NV 89501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101K | $0 | $101K | 19.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 5763 DENVER, CO 80217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.51% |
| MICHAEL MULLIGAN3 Filed as: MICHAEL A. BELLOTTI | 2990 LAVA RIDGE COURT, SUITE 210 ROSEVILLE, CA 95661 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.53% |
| ABELL INSURANCE AGENCY LLC3 Filed as: ABELL INSURANCE AGENCY., LLC | 1425 RIVER PARK DRIVE, SUITE 100 SACRAMENTO, CA 95815 | NORTHWESTERN MUTUAL | $550 | $66 | $616 | 0.74% |
| KEVIN O DELL ROBERTS3 Filed as: KEVIN ODELL ROBERTS | 2990 LAVA RIDGE COURT, SUITE 210 ROSEVILLE, CA 95661 | NORTHWESTERN MUTUAL | $313 | $112 | $425 | 0.51% |
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 | 5,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,373 | $578K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,292 | $1.7M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,033 | $511K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,292 | $1.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,292 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,292 | — |
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.