| 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 | $250K | $250K | $500K | 20.00% |
| HCP NATIONAL INSURANCE SERVICES INC3 Filed as: HCP NATIONAL INSURANCE SERVICES | 16A JOURNEY, SUITE 150 ALISO VIEJO, CA 92656 | TRANSAMERICA | $18K | $18K | $36K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED AGRIBUSINESS LEAGUE EIN 95-3514902 PLAN SPONSOR | Contract Administrator Service code 13 | 54 CORPORATE PARK IRVINE, CA 92606 | $7.1M |
| EMPLOYEES OF THE TRUST EIN 33-0013118 EMPLOYEES | Employee (plan) Service code 30 | 54 CORPORATE PARK IRVINE, CA 92606 | $2.2M |
| 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 |
| NIKSSARIAN INS SERVICES EIN 20-0307796 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 24560 SILVER CLOUD SUITE 106 MONTEREY, CA 93940 | $714K |
| ASCENSION INSURANCE SERVICES EIN 26-1441725 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 80 S LAKE AVE SUITE 600 PASADENA, CA 91101 | $651K |
| 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 | $487K |
| 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 | $403K |
| MORRIS & GARRITANO INS AGENCY EIN 95-2304670 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1122 LAUREL LN SAN LUIS OBISPO, CA 93401 | $370K |
| 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 | $345K |
| 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 | $334K |
| 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 | $327K |
| 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 | $279K |
| 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 | $232K |
| WINTON IRELAND STORM & GREEN EIN 94-2669717 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 627 E CANAL DR TURLOCK, CA 95380 | $219K |
| 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 | $193K |
| 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 | $183K |
| 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 | $183K |
| PITNEY BOWES PURCHASE POWER EIN 84-1386389 VENDOR | Other services; Direct payment from the plan Service code 49 | PO BOX 371874 PITTSBURGH, PA 15250 | $148K |
| 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 | $135K |
| MCSHERRY HUDSON AND HALL EIN 77-0300519 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 575 AUTO CENTER DR WATSONVILLE, CA 95076 | $131K |
| 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 | $123K |
| 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 | $117K |
| KIBBLE & PRENTICE HOLDING CO EIN 91-1176315 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3247 W. MARCH LANE, SUITE 210 STOCKTON, CA 952192364 | $116K |
| JEFF KANE INS SOLUTIONS, INC EIN 27-1655837 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1006 FREEDOM BLVD WATSONVILLE, CA 95076 | $108K |
| 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 | $95K |
| WESTERN VALLEY INSU. ASSOC. EIN 94-2899459 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 600 E. MAIN ST STE #200 TURLOCK, CA 95380 | $92K |
| 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 | $86K |
| BOHANNON INSURANCE AGENCY EIN 94-2217926 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4317 NORTHSTAR WAY #A MODESTO, CA 95356 | $86K |
| CAREMASTER INSURANCE AGENCY EIN 77-0124823 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1710 N. MOORPARK RD. #17 THOUSAND OAKS, CA 91360 | $82K |
| MALLOY IMRIE & VASCONI INS EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 725 ST HELENA, CA 94574 | $81K |
| 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 | $74K |
| PACIFIC DIVERSIFIED INS SVCS EIN 94-2294669 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 15005 CONCORD CIRCLE #110 MORGAN HILL, CA 95037 | $73K |
| WLT SOFTWARE VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 26133 US HYWY 19, 4TH FL. CLEARWATER, FL 33763 | $73K |
| 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 | $65K |
| TELEPACIFIC COMMUNICATIONS EIN 95-4593876 VENDOR | Other services; Direct payment from the plan Service code 49 | PO BOX 509013 SAN DIEGO, CA 92150 | $64K |
| HEALTHX, INC. EIN 35-1928243 VENDOR | Direct payment from the plan; Claims processing Service code 12 | 9339 PRIORITY WAY W DR. #150 INDIANAPOLIS, IN 46240 | $63K |
| GALLAGHER BENEFIT SERVICES 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 | $62K |
| OFFICETEAM EIN 94-1648752 STAFFING AGENCY | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 743295 LOS ANGELES, CA 900743295 | $58K |
| ROBERT GREEN & ASSOCIATES EIN 31-6525758 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 487 MONTECITO BLVD NAPA, CA 94559 | $57K |
| 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 | $55K |
| RICO PFITZER PINES & ASSOC EIN 94-2239750 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 207 5TH STREET GUSTINE, CA 95322 | $54K |
| TD GRAPHICS EIN 27-2903159 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 1391 N. HUNDLEY ANAHEIM, CA 98206 | $54K |
| 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 | $51K |
| FLYNN FINANCIAL & INS. SVCS. EIN 27-0774190 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2121 41ST AVE SUITE 208 CAPITOLA, CA 95010 | $49K |
| 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 |
| KEITH W. MORRISON EIN 55-4900496 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3178 W. LOS ALTOS FRESNO, CA 93711 | $45K |
| ROBERT HALF MANAGEMENT RESOURCES EIN 94-1648752 STAFFING AGENCY | Direct payment from the plan; Employee (plan) Service code 30 | P.O.BOX 743295 LOS ANGELES, CA 900743295 | $45K |
| WES BRADFORD INS SALES, INC. EIN 77-0043887 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1515 20TH STREET BAKERSFIELD, CA 93301 | $44K |
| THOMAS KUNTZ INSURANCE EIN 56-2750325 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1635 MADRONA AVE ST. HELENA, CA 94574 | $43K |
| CCH INCORPORATED EIN 13-3504158 ACCOUNTING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | PO BOX 4307 CAROL STREAM, IL 601974307 | $42K |
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 | 23,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,157 | $451K |
| Life insurance | TRANSAMERICA | 7,078 | $119K |
| Stop-loss / reinsurancereinsurance | MUNICHRE STOP LOSS - TRANSAMERICA | 23,956 | $2.5M |
| Other | MUNICHRE STOP LOSS - TRANSAMERICA | 23,956 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,956 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.