| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCP NATIONAL INSURANCE SERVICES INC3 Filed as: HCP NATIONAL INSURANCE SERVICES | 16A JOURNEY, SUITE 150 ALISO VIEJO, CA 92656 | MUNICHRE STOP LOSS - TRANSAMERICA | $222K | $222K | $443K | 20.00% |
| HCP NATIONAL INSURANCE SERVICES INC3 Filed as: HCP NATIONAL INSURANCE SERVICES | 16A JOURNEY, SUITE 150 ALISO VIEJO, CA 92656 | TRANSAMERICA | $21K | $21K | $41K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEES OF THE TRUST EIN 33-0013118 EMPLOYEES | Employee (plan) Service code 30 | 54 CORPORATE PARK IRVINE, CA 92606 | $5.7M |
| UNITED AGRIBUSINESS LEAGUE EIN 95-3514902 PLAN SPONSOR | Contract Administrator Service code 13 | 54 CORPORATE PARK IRVINE, CA 92606 | $1.6M |
| BRENT EASTMAN INSURANCE SERVICES EIN 20-2347916 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 51 KATHERINE AVE SALINAS, CA 93908 | $1.1M |
| ASCENSION INSURANCE SERVICES EIN 26-1441725 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 80 S LAKE AVE SUITE 600 PASADENA, CA 91101 | $589K |
| NIKSSARIAN INS SERVICES EIN 20-0307796 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 24560 SILVER CLOUD SUITE 106 MONTEREY, CA 93940 | $487K |
| HATTON INSURANCE SERVICES EIN 33-0419521 INDEPENDENT CONTRACTOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 54 CORPORATE PARK IRVINE, CA 92606 | $457K |
| MARSHALL PIERSON, INC. EIN 20-0327643 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 209 PAJARO ST. SUITE B SALINAS, CA 93901 | $298K |
| MARK TIGNER EIN 56-7613260 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1108 LELAND AVE. TULARE, CA 93274 | $290K |
| INTERWEST INSURANCE SERVICES EIN 68-0266090 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 368 E. YOSEMITE AVE. #100 MERCED, CA 95340 | $250K |
| MARK R. SALTZMAN INC. EIN 77-0264312 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3924 WEST CALDWELL AVE. #B VISALIA, CA 93277 | $222K |
| MILLIMAN USA EIN 91-0675641 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | 4370 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92122 | $221K |
| ANDREINI & COMPANY EIN 94-1482568 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 220 W. 20TH AVE SAM MATEO, CA 94403 | $213K |
| WINTON IRELAND STORM & GREEN EIN 94-2669717 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 627 E CANAL DR TURLOCK, CA 95380 | $207K |
| HANSEN FINANCIAL & INS SVCS EIN 26-3185576 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 777 E. TAHQUITZ CANYON WAY STE 323 PALM SPRINGS, CA 92262 | $183K |
| ALLIANT INSURANCE SERVICES EIN 33-0785439 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | $163K |
| MCSHERRY HUDSON AND HALL EIN 77-0300519 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 575 AUTO CENTER DR WATSONVILLE, CA 95076 | $146K |
| MORRIS & GARRITANO INS AGENCY EIN 95-2304670 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1122 LAUREL LN SAN LUIS OBISPO, CA 93401 | $128K |
| TELEPACIFIC COMMUNICATIONS EIN 95-4593876 VENDOR | Direct payment from the plan; Other services Service code 49 | PO BOX 509013 SAN DIEGO, CA 92150 | $125K |
| PACIFIC COAST BENEFIT INS EIN 26-4465846 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 1749 GILROY, CA 95021 | $121K |
| NEW GATE INSURANCE SVCS INC. EIN 45-4519087 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 444 AIRPORT BLVD #109 WATSONVILLE, CA 95076 | $115K |
| JAMES G PARKER INS ASSOC. EIN 94-2494444 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $109K |
| PACIFIC DIVERSIFIED INS SVCS EIN 94-2294669 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 15005 CONCORD CIRCLE #110 MORGAN HILL, CA 95037 | $107K |
| THE ROBERT LYNN CO. EIN 95-2695182 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3761 BERNARD ST, BAKERSFIELD, CA 93306 | $106K |
| MOORE INSURANCE SVCS 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 | $106K |
| OFFICETEAM EIN 94-1648752 STAFFING AGENCY | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 743295 LOS ANGELES, CA 900743295 | $102K |
| JEFF KANE INS SOLUTIONS, INC EIN 27-1655837 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1006 FREEDOM BLVD WATSONVILLE, CA 95076 | $101K |
| EDGEWOOD PARTNERS HOLDING EIN 94-3195221 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | $94K |
| BOHANNON INSURANCE AGENCY EIN 94-2217926 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4317 NORTHSTAR WAY #A MODESTO, CA 95356 | $88K |
| WESTERN VALLEY INSU. ASSOC. EIN 94-2899459 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 600 E. MAIN ST STE #200 TURLOCK, CA 95380 | $87K |
| IMAGE SOURCE EIN 33-0640660 VENDOR PRINTING | Copying and duplicating; Direct payment from the plan Service code 36 | 650 E. HOSPITALITY LN #54 SAN BERNARDINO, CA 92408 | $80K |
| POWERS LEAVITT INSURANCE EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P O BOX 125 BUCKEYE, AZ 85326 | $79K |
| BARLOCKER INS & FIN SERVICES EIN 94-2602335 INDEPENDENTCONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 371 MAIN STREET SALINAS, CA 93901 | $78K |
| CAREMASTER INSURANCE AGENCY EIN 77-0124823 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1710 N. MOORPARK RD. #17 THOUSAND OAKS, CA 91360 | $74K |
| USI INSURANCE SERVICES OF EIN 68-0375039 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3247 WEST MARCH LANE SUITE 210 STOCKTON, CA 95219 | $71K |
| RANDY OLIVEIRA EIN 55-3655748 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 14901 DAVID CT. BAKERSFIELD, CA 93314 | $69K |
| ROTH STAFFING COMPANIES, L P EIN 33-0633164 STAFFING AGENCY | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 848761 LOS ANGELES, CA 900848761 | $67K |
| MALLOY IMRIE & VASCONI INS EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 725 ST HELENA, CA 94574 | $66K |
| ARTHUR J. GALLAGHER & CO.INS EIN 94-3015711 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 321 FIFTH STREET HOLLISTER, CA 95023 | $65K |
| VINCENT BENJAMIN RECRUITING & CONSU EIN 46-2885777 STAFFING AGENCY | Direct payment from the plan; Employee (plan) Service code 30 | 2415 E CAMELBACK RD SUITE 1000 PHOENIX, AZ 85016 | $61K |
| DOUGLAS D. LIGHTLE EIN 27-5562267 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 700 LARKSPUR LANDING CIR SUITE 199 LARKSPUR, CA 94939 | $61K |
| RIS EMPLOYEE BENEFITS, INC. EIN 20-2070179 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 10011 N FOOTHILL BLVD #110 CUPERTINO, CA 95014 | $58K |
| ROBERT GREEN & ASSOCIATES EIN 31-6525758 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 487 MONTECITO BLVD NAPA, CA 94559 | $55K |
| KIBBLE & PRENTICE HOLDING CO EIN 91-1176315 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3247 W. MARCH LANE, SUITE 210 STOCKTON, CA 952192364 | $55K |
| LEAVITT CENTRAL COAST INS EIN 26-3895931 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 950 EAST BLANCO RD, #103 SALINAS, CA 93901 | $54K |
| IRON MOUNTAIN RECORDS MANAGEMENT EIN 04-3038590 VENDOR RECORDS STORAGE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | P O BOX 601002 PASADENA, CA 91189 | $54K |
| BELDON BURCH EIN 30-0090336 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4971 FOOTHILL ROAD CARPENTERIA, CA 93013 | $52K |
| KEITH W. MORRISON EIN 55-4900496 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3178 W. LOS ALTOS FRESNO, CA 93711 | $48K |
| MCKENNON LAW GROUP PC EIN 27-1516452 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | 20321 SW BIRCH STREET, SUITE 200 NEWPORT BEACH, CA 926601756 | $47K |
| SIMS INSURANCE AGENCY EIN 52-7763697 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 340 W. 32ND STREET #125 YUMA, AZ 85364 | $46K |
| FLYNN FINANCIAL & INS. SVCS. EIN 27-0774190 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2121 41ST AVE SUITE 208 CAPITOLA, CA 95010 | $43K |
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 | 16,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 201 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,220 | $377K |
| Life insurance | TRANSAMERICA | 7,285 | $137K |
| Stop-loss / reinsurancereinsurance | MUNICHRE STOP LOSS - TRANSAMERICA | 17,169 | $2.2M |
| Other | MUNICHRE STOP LOSS - TRANSAMERICA | 17,169 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.