| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAI SINGH3 | 3400 MOUNT DIABLO BOULEVARD SUITE 210 LAFAYETTE, CA 94549 | KAISER | $75K | $0 | $75K | 6.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 255387 SACRAMENTO, CA 95865 | KAISER | $15K | $0 | $15K | 1.24% |
| JAI SINGH3 Filed as: JAI SHANT SINGH | 3400 MOUNT DIABLO BOULEVARD SUITE 210 LAFAYETTE, CA 94549 | DELTA | $14K | $0 | $14K | 8.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | DELTA | $3K | $0 | $3K | 1.74% |
| JAI SINGH3 Filed as: JAI SHANT SINGH | 3400 MOUNT DIABLO BOULEVARD SUITE 210 LAFAYETTE, CA 94549 | VSP | $2K | $0 | $2K | 8.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | VSP | $421 | $0 | $421 | 1.73% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER | 293 | $1.2M |
| Dental | DELTA | 106 | $172K |
| Vision | VSP | 94 | $24K |
| Prescription drug | KAISER | 293 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.