| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | CALIFORNIA PHYSICIANS SERVICE | $28K | — | $28K | 3.53% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | $15K | — | $15K | 1.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS SERVICE | $9K | — | $9K | 1.08% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 1.77% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 1.55% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $840 | — | $840 | 1.04% |
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | AMERICAN FIDELITY ASSURANCE COMPANY | $415 | — | $415 | 0.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | AMERICAN FIDELITY ASSURANCE COMPANY | $296 | — | $296 | 0.37% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE. SUITE 105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $228 | — | $228 | 0.28% |
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.54% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | SUN LIFE ASSURANCE COMPANY OF CANADA | $742 | — | $742 | 2.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.46% |
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $547 | — | $547 | 2.62% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $607 | — | $607 | 16.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | — | $711 | — |
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $202 | — | $202 | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $521 | — | $521 | — |
| IMAGINE INSURANCE SVCS INC3 | 5432 GEARY BLVD SAN FRANCISCO, CA 94121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $144 | — | $144 | — |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 81 | $884K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $21K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 44 | $81K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 44 | $81K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 81 | $803K |
| Other(4 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 150 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.