| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DR BLUE BELL, PA 19422 | NATIONWIDE LIFE INSURANCE CO. | — | $111K | $111K | 22.07% |
| MCSHERRY HUDSON & HALL Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.06% |
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY, HUDSON, HALL LIFE &HEALTH | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.94% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 483045053 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.26% |
| LEBHERZ INSURANCE SERVICES INC3 Filed as: LEBHERZ INSURANCE SERVICES INC. | 1600 W HILLSDALE BLVD SAN MATEO, CA 944023768 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $312 | $2K | 3.47% |
| MCSHERRY HUDSON & HALL Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY, HUDSON, HALL LIFE &HEALTH | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.89% |
| MCSHERRY HUDSON & HALL3 | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.07% |
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY, HUDSON, HALL LIFE &HEALTH | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | VISION SERVICE PLAN | $549 | — | $549 | 4.51% |
| MCSHERRY HUDSON & HALL3 | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | CALIFORNIA DENTAL NETWORK, INC. | $749 | — | $749 | 10.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE CO. | 106 | $503K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $73K |
| Vision | VISION SERVICE PLAN | 82 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $116K |
| Prescription drug | NATIONWIDE LIFE INSURANCE CO. | 106 | $503K |
| Other(3 contracts, 3 carriers) | NATIONWIDE LIFE INSURANCE CO. | 118 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.