| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VISION SERVICE PLAN3 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 MEDICAL BENEFITS ACTUARY | Actuarial Service code 11 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | $170K |
| UNITED FARMWORKER OF AMERICA EIN 94-1448579 PLAN SPONSOR | Other commissions Service code 55 | PO BOX 62 KEENE, CA 93531 | $156K |
| ROSS COMMUNICATIONS EIN 68-0477696 CONSULTANT | Consulting (general) Service code 16 | 1700 L ST SACRAMENTO, CA 95811 | $120K |
| MENDEZ PETTY MORENO LLP EIN 26-1356482 AUDITOR | Accounting (including auditing) Service code 10 | 900 TRUXTUN AVE SUITE 130 BAKERSFIELD, CA 93301 | $87K |
| PATRICK J PINE EIN 94-6186170 EMPLOYEE | Plan Administrator Service code 14 | — | $61K |
| NATIONAL CHAVEZ CENTER PLAN PARTICIPANT | Other services Service code 49 | — | $56K |
| MERCEDES MARTINEZ EIN 94-6186170 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| BUSH GOTTLIEB EIN 95-2956616 ATTORNEY | Legal Service code 29 | 500 N CENTRAL AVE SUITE 800 GLENDALE, CA 91203 | $45K |
| GUADALUPE RODRIGUEZ EIN 94-6186170 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| JACQUELIN HOYOS EIN 94-6186170 EMPLOYEE | Employee (plan) Service code 30 | PO BOX 62 KEENE, CA 93531 | $33K |
| CESAR CHAVEZ FOUNDATION EIN 95-2466747 PLAN PARTICIPANT | Consulting (general) Service code 16 | — | $26K |
| MARTINEZ AGUILASOCHO LAW EIN 47-3200127 ATTORNEY | Legal Service code 29 | PO BOX 11208 BAKERSFIELD, CA 933891208 | $13K |
| VERUS EIN 91-1320111 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 999 THIRD AVE SUITE 4200 SEATLE, WA 98104 | $10K |
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 | 2,528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | VALENZ ACCESS | 0 | $1.5M |
| Dental | UNITED HEALTHCARE | 0 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,354 | $197K |
| Prescription drug | EXPRESS SCRIPTS | 0 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,354 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.