| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | PO BOX 129 GUSTINE, CA 95322 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 3.14% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | 207 5TH STREET GUSTINE, CA 95322 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 9.55% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 5.26% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 1357 A LASSEN AVENUE CHICO, CA 95826 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $333 | $2K | 1.16% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | 207 5TH STREET GUSTINE, CA 95322 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | $0 | $2K | 2.64% |
| BENEFIT DIV OF RICO, PFITZER, PIRES3 | 207 5TH STREET GUSTINE, CA 95332 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.33% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $494 | $0 | $494 | 1.67% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | 207 5TH STREET GUSTINE, CA 95322 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 76.93% |
| RICO PFITZER PIRES EMPLOYEE BENEFIT3 Filed as: RICO PFITZER PIRES & ASSOCIATES | PO BOX 129 GUSTINE, CA 95322 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $281 | $0 | $281 | 13.37% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 526 | $30K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $215K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $208K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $208K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.