| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE SHIELD OF CALIFORNIA | $37K | $113K | $149K | 6.56% |
| WINTON-IRELAND INS AGENCY3 Filed as: WINTON-IRELAND INSURANCE AGENCY, IN | 687 E CANAL DR TURLOCK, CA 95380 | BLUE SHIELD OF CALIFORNIA | -$23K | — | -$23K | -1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREEMONT STREET, 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.25% |
| AON CONSULTING INC3 | 199 FREEMONT STREET, 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $524 | $524 | 1.25% |
| JOE FERNANDEZ3 | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $2K | $270 | $2K | 8.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 5.62% |
| JOE FERNANDEZ3 | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $749 | $150 | $899 | 5.46% |
| JOE FERNANDEZ3 | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $897 | $141 | $1K | 8.35% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS ADVISOR | 2400 MAIN ST #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 3.65% |
| WINTON-IRELAND INS AGENCY3 Filed as: WINTON-IRELAND INSURANCE AGENCY, IN | PO BOX 3277 TURLOCK, CA 95381 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.39% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 330 TRES PINOS RD STE A-1 HOLLISTER, CA 95023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 235 | $2.3M |
| Dental | BLUE SHIELD OF CALIFORNIA | 235 | $2.3M |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $149K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $576 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $107K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 235 | $2.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.