| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.93% |
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY, HUDSON, HALL LIFE &HEALTH | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.22% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $666 | $3K | 4.11% |
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY, HUDSON, HALL LIFE &HEALTH | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LN STE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCSHERRY HUDSON & HALL3 | 35 PENNY LN STE 6 WATSONVILLE, CA 950766032 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.20% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | $519 | — | $519 | 3.10% |
| MCSHERRY HUDSON & HALL3 | 35 PENNY LANE SUITE 6 WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $456 | — | $456 | 3.23% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | PO BOX 698 WATSONVILLE, CA 950770698 | VISION SERVICE PLAN | $847 | — | $847 | 6.65% |
| MCSHERRY HUDSON & HALL3 | PO BOX 698 WATSONVILLE, CA 95077 | CALIFORNIA DENTAL NETWORK, INC. | $644 | — | $644 | 10.00% |
| MCSHERRY HUDSON & HALL3 | LIFE AND HEALTH INS AGY 35 PENNY LN STE WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 2.67% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | PO BOX 698 WATSONVILLE, CA 950770698 | VISION SERVICE PLAN | $298 | — | $298 | 10.01% |
| MCSHERRY HUDSON & HALL3 | PO BOX 698 WATSONVILLE, CA 95077 | CALIFORNIA DENTAL NETWORK, INC. | $170 | — | $170 | 10.02% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $92K |
| Vision(2 contracts) | VISION SERVICE PLAN | 87 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $143K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $143K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.