| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BACHAN GROUP, LLC3 Filed as: THE BACHAN GROUP LLC | PO BOX 698 STE 360 WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 20.00% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH ST PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 9.00% |
| THE BACHAN GROUP, LLC3 Filed as: THE BACHAN GROUP LLC | PO BOX 698 WATSONVILLE, CA 95076 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | STE 234 5110 N 40TH ST PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $6K | 9.00% |
| MCSHERRY HUDSON & HALL3 Filed as: THE MCSHERRY GROUP LLC | PO BOX 698 WATSONVILLE, CA 950770698 | VISION SERVICE PLAN | $956 | — | $956 | 6.38% |
| MCSHERRY HUDSON & HALL3 | PO BOX 698 WATSONVILLE, CA 95077 | CALIFORNIA DENTAL NETWORK, INC. | $897 | — | $897 | 10.00% |
| THE BACHAN GROUP, LLC3 Filed as: THE BACHAN GROUP LLC | PO BOX 698 WATSONVILLE, CA 95076 | UNUM INSURANCE COMPANY | $719 | — | $719 | 13.00% |
| THE BACHAN GROUP, LLC3 Filed as: THE BACHAN GROUP LLC | PO BOX 698 WATSONVILLE, CA 95076 | UNUM INSURANCE COMPANY | $716 | — | $716 | 13.00% |
| THE BACHAN GROUP, LLC3 Filed as: THE BACHAN GROUP LLC | PO BOX 698 WATSONVILLE, CA 95076 | UNUM INSURANCE COMPANY | $483 | — | $483 | 13.01% |
| MCSHERRY HUDSON & HALL3 | LIFE AND HEALTH INS AGY 35 PENNY LN STE 6 WATSONVILLE, CA 95076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 2.92% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 33 | $16K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 70 | $70K |
| Vision | VISION SERVICE PLAN | 101 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $119K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.