| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBT INSURANCE SERVICES LLC3 | 4688 W JENNIFER AVE, SUITE 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $79K | — | $79K | 10.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | — | $33K | $33K | 4.50% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 1.21% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INS SVCS INC | 4688 W JENNIFER AVE, SUITE 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | -$3 | — | -$3 | -0.00% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL - PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $601 | $12K | 17.77% |
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 | 1,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,504 | $731K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,504 | $731K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,504 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,504 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.