| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION SECURITY BANK3 | 2126 INYO STREET FRESNO, CA 93712 | SYMETRA LIFE INSURANCE COMPANY | $109K | $0 | $109K | 10.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 4900 CALIFORNIA AVE., SUITE 400B BAKERSFIELD, CA 93309 | SYMETRA LIFE INSURANCE COMPANY | $55K | $0 | $55K | 5.00% |
| UNITED SECURITY BANK3 | 9 RIVER PARK PLACE E, SUITE 420 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| PAUL E GOTTLIEB3 Filed as: PAUL ERWIN GOTTLIEB | 9 RIVER PARK PLACE WEST SUITE 420 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.43% |
| UNITED SECURITY BANK3 | 9 RIVER PARK PLACE EAST, #420 FRESNO, CA 93720 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 6.26% |
| TAWNY M BRADY3 | 1508 WAKEHURST CT BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 5.43% |
| CLAYTON M KOERNER3 | 5301 OFFICE PARK DR BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 4.83% |
| UNITED SECURITY BANK3 | 2126 INYO STREET FRESNO, CA 93721 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 14.64% |
| UNITED SECURITY BANK3 | AKA INYO INSURANCE AGENCY 9 RIVER PARK PLACE EAST, SUITE 420 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $7K | $0 | $7K | 34.17% |
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 | 337 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 742 | $20K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 236 | $36K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 374 | $141K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 374 | $86K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 329 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 264 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.