| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKMAN MITCHELL FIN AND INS SVCES.3 | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | AETNA HEALTH, INC. | $52K | — | $52K | 4.85% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.85% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 | PO BOX 629 VISALIA, CA 93279 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.23% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | AETNA LIFE INSURANCE COMPANY | $1K | $327 | $2K | 6.26% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | VISION SERVICE PLAN | $1K | — | $1K | 5.81% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 Filed as: BUCKMAN MITCHELL EMP BENEFITS INS | PO BOX 629 VISALIA, CA 93279 | KAISER FOUNDATION HEALTH PLAN INC | $219 | — | $219 | 1.90% |
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 | 300 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 191 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $160K |
| Vision | VISION SERVICE PLAN | 185 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $160K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $38K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 191 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
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.