| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED SOLUTIONS FOR BENEFITS | P.O. BOX 16427 HOOKSETT, NH 03106 | GREAT MIDWESTERN INSURANCE COMPANY | $96K | — | $96K | 4.00% |
| HEALTH CARE PLUS INS SERVICES3 | 16 A JOURNEY STE 150 ALISO VIEJO, CA 92656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $15K | 22.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 PPO | Other services; Direct payment from the plan Service code 49 | PO BOX 749415 LOS ANGELES, CA 90074 | $5.4M |
| ELITE CORPORATE MEDICAL SERVICES IN EIN 46-3783345 PPO | Other services; Direct payment from the plan Service code 49 | 4004 S. DEMAREE ST., SUITE B VISALIA, CA 93277 | $1.8M |
| BRENT EASTMAN INSURANCE SERVICES EIN 20-2347916 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 51 KATHERINE AVENUE SALINAS, CA 93901 | $1.6M |
| COSTCO HEALTH SOLUTIONS INC EIN 81-2865195 PPO | Other services; Direct payment from the plan Service code 49 | 999 LAKE DRIVE ISSAQUAH, WA 98027 | $1.3M |
| NIKSSARIAN INSURANCE SERVICES, INC EIN 20-0307796 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | $1.2M |
| MOORE INSURANCE SERVICES, INC EIN 68-0469176 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2967 DAVISON CT, STE C COLUSA, CA 95932 | $1.0M |
| KEVIN SALTZMAN INC EIN 20-0142443 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3924 W. CALDWELL AVE SUITE A VISALIA, CA 93277 | $872K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | $788K |
| RELATION INSURANCE SERVICES EIN 26-4823657 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | $774K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 8110 CHICO, CA 95927 | $702K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 VENDOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 600 CORPORATE POINTE SUITE 600 STE 32 CULVER CITY, CA 90230 | $473K |
| JAMES G PARKER INSURANCE ASSOCIATES EIN 94-2494444 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $334K |
| GALLAGHER BENEFIT SERVICES, INC EIN 36-4291971 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 45 RIVER PARK PLACE WEST, SUITE 605 FRESNO, CA 93720 | $302K |
| COOK & ASSOCIATES EIN 55-2356384 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 2076 SONOMA, CA 95476 | $274K |
| THE BACHAN GROUP, LLC EIN 83-2690791 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 698 WATSONVILLE, CA 95077 | $267K |
| WINTON IRELAND STROM & GREEN INS EIN 94-2667917 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 627 E. CANAL DRIVE TURLOCK, CA 95380 | $254K |
| GEORGE PETERSEN INSURANCE AGENCY EIN 94-2674185 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 175 WEST COLLEGE AVE SANTA ROSA, CA 95401 | $219K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4900 CALIFORNIA AVE, TOWER B-210 BAKERSFIELD, CA 93309 | $205K |
| PACIFIC COAST BENEFIT INSURANCE EIN 26-4465846 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 7600 MONTEREY ROAD, STE 140 GILROY, CA 95020 | $202K |
| SPRING CARE, INC EIN 81-2832914 PPO | Other services; Direct payment from the plan Service code 49 | 60 MADISON AVE FL.2 NEW YORK, NY 10010 | $195K |
| ALLIANT INSURANCE SERVICES EIN 33-0785439 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $190K |
| LIVONGO HEALTH, INC EIN 26-3542036 PPO | Direct payment from the plan; Other services Service code 49 | DEPT CH 17624 PALATINE, IL 60055 | $186K |
| MALLOY IMRIE & VASCONI INSURANCE EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 725 ST HELENA, CA 94574 | $185K |
| WLT SOFTWARE EIN 20-1065791 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 26133 US HIGHWAY 19 CLEARWATER, FL 33763 | $173K |
| DOUGLAS D. LIGHTLE EIN 27-5562267 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 190 FORREST AVE FAIRFAX, CA 94930 | $171K |
| LOCKTON-DUNNING SERIES OF LOCKTON C EIN 20-5846158 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 444 W. 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | $162K |
| GRAYBILL INSURANCE AGENCY, INC EIN 20-8895111 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 101 PARKSHORE DR. SUITE 100 FOLSOM, CA 95630 | $160K |
| MEDEIROS BENEFITS COMPANY, LLC EIN 87-2753682 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 78 HANFORD, CA 92323 | $157K |
| SWEENEY & SWEENEY INSURANCE, INC EIN 94-2773722 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 6518 LONETREE BLVD, STE. 152 ROCKLIN, CA 95765 | $153K |
| HEALTHCARE INTERACTIVE INC EIN 20-8995931 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6011 UNIVERSITY BLVD SUITE 360 ELLICOTT CITY, MD 21043 | $146K |
| GCI BENEFITS, LLC EIN 93-3317332 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | $145K |
| ANDREINI & COMPANY EIN 94-1482568 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 220 W 20TH AVE SAN MATEO, CA 94403 | $140K |
| SINGERLEWAK LLP EIN 95-2302617 CONSULTANT | Accounting (including auditing) Service code 10 | P.O. BOX 80602 CITY OF INDUSTRY, CA 91716 | $139K |
| LEAVITT CENTRAL COAST INSURANCE EIN 26-3895931 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 950 EAST BLANCO RD, STE 103 SALINAS, CA 93901 | $137K |
| POWERS-LEAVITT INSURANCE AGENCY EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 111 E. MONROE AVE., SUITE 200 BUCKEYE, AZ 85326 | $127K |
| TELADOC INC. EIN 45-3507503 PPO | Other services; Direct payment from the plan Service code 49 | 7402 HOLLISTER AVE GOLETA, CA 93117 | $121K |
| DAVID ERNSTAM FINANCIAL & INSURANCE EIN 01-0759312 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1625 BUTTE HOUSE RD YUBA CITY, CA 95993 | $115K |
| WESTERN VALLEY INSURANCE ASSOCIATES EIN 94-2899459 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 600 E. MAIN STREET #200 TURLOCK, CA 95380 | $102K |
| ALLISON COMMERCIAL INSURANCE EIN 20-8512168 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2775 N VENTURA RD, STE 209 OXNARD, CA 93036 | $97K |
| BAY & BASIN INSURANCE SERVICES, LLC EIN 87-2152110 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 371 MAIN STREET SALINAS, CA 93901 | $93K |
| PACIFIC DIVERSIFIED INSURANCE EIN 94-2294669 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 15005 CONCORD CIRCLE, STE 110 MORGAN HILL, CA 95037 | $92K |
| WAKELY CONSULTING GROUP, LLC EIN 38-2599727 CONSULTANT | Actuarial Service code 11 | 120 N WASHINGTON SQ. STE 705 LANSING, MI 48933 | $92K |
| FLYNN FINANCIAL & INSURANCE SERVICE EIN 27-0774190 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2121 41ST AVE CAPITOLA, CA 95010 | $82K |
| KUHTZ DIEHL INSURANCE & FINANCIAL EIN 54-2067921 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2150 N. WINERY AVE FRESNO, CA 93703 | $74K |
| PACIFIC AG INSURANCE AGENCY, INC EIN 77-0525746 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1715 N. 11TH AVENUE HANFORD, CA 93230 | $74K |
| KEITH W. MORRISON EIN 55-4900496 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 543 E. MALLARD CIRCLE FRESNO, CA 93730 | $74K |
| MARK TIGNER FINANCIAL & INSURANCE EIN 56-7613260 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1108 LELAND AVE TULARE, CA 93274 | $73K |
| BNKV INSURANCE SOLUTIONS, INC EIN 84-4887841 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 6002 DOVETAIL DRIVE AGOURA HILLS, CA 91301 | $67K |
| PAULI-SHAW INSURANCE AGENCY EIN 68-0423843 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 1105 ARCATA, CA 95518 | $66K |
| RICO,PFITZER PIRES EMPLOYEE BENEFIT EIN 82-0785899 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O BOX 129 GUSTINE, CA 95322 | $66K |
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 | 21,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,586 | $70K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWESTERN INSURANCE COMPANY | 21,493 | $2.4M |
| Other | GREAT MIDWESTERN INSURANCE COMPANY | 21,493 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.