| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCSHERRY HUDSON & HALL3 Filed as: MCSHERRY GROUP LLC | DBA MCSHERRY BENEFITS AND INS 35 PENNY LN STE 6 WATSONVILLE, CA 950766032 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | 2 ENTERPRISE DR STE 204 SHELTON, CT 064844657 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $645 | $645 | 0.67% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LN STE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINACIAL GROUP LLC | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $930 | $930 | 1.16% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | 35 PENNY LN STE 6 WATSONVILLE, CA 95076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN FINACIAL GROUP LLC | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $930 | $930 | 1.67% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | PO BOX 698 WATSONVILLE, CA 950770698 | VISION SERVICE PLAN | $919 | — | $919 | 6.82% |
| MCSHERRY HUDSON & HALL3 | LIFE AND HEALTH INS AGY 35 PENNY LN STE 6 WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $375 | — | $375 | 2.84% |
| MCSHERRY HUDSON & HALL3 | PO BOX 698 WATSONVILLE, CA 95077 | CALIFORNIA DENTAL NETWORK, INC. | $460 | — | $460 | 10.01% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $13K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $101K |
| Vision | VISION SERVICE PLAN | 90 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $80K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.