| 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 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $262K | $262K | $524K | 20.00% |
| HCP NATIONAL INSURANCE SERVICES INC3 Filed as: HCP NATIONAL INSURANCE SERVICES | 16A JOURNEY, SUITE 150 ALISO VIEJO, CA 92656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $11K | $23K | 22.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED AGRIBUSINESS LEAGUE EIN 95-3514902 PLAN SPONSOR | Contract Administrator Service code 13 | 54 CORPORATE PARK IRVINE, CA 92606 | $12.0M |
| BRENT EASTMAN INSURANCE SERVICES EIN 20-2347916 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 51 KATHERINE AVE SALINAS, CA 93908 | $1.2M |
| 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 | $826K |
| RELATIONS 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 | $652K |
| 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 | $568K |
| INTERWEST INSURANCE SERVICES EIN 68-0266090 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 368 E. YOSEMITE AVE. #100 MERCED, CA 95340 | $511K |
| 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 | $504K |
| 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 | $499K |
| MOORE INSURANCE SVCS INC. EIN 68-0469176 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2967 DAVISON CT, STE C COLUSA, CA 95932 | $428K |
| ANDREINI & COMPANY EIN 94-1482568 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 220 W. 20TH AVE SAM MATEO, CA 94403 | $325K |
| 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 | $289K |
| 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 | $288K |
| 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 | $258K |
| 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 | $248K |
| 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 | $245K |
| 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 | $150K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 45 RIVER PARK PLACE WEST, SUITE 605 FRESNO, CA 93720 | $144K |
| 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 | $136K |
| WLT SOFTWARE EIN 20-1065791 VENDOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 26133 US HYWY 19, 4TH FL. CLEARWATER, FL 33763 | $136K |
| 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 | $133K |
| DOUGLAS D. LIGHTLE EIN 27-5562267 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 700 LARKSPUR LANDING CIR SUITE 199 LARKSPUR, CA 94939 | $132K |
| 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 | $130K |
| PACIFIC COAST BENEFIT INS EIN 26-4465846 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 1749 GILROY, CA 95021 | $123K |
| 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 | $119K |
| 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 | $103K |
| 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 | $95K |
| POWERS LEAVITT INSURANCE EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | P O BOX 125 BUCKEYE, AZ 85326 | $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 | $87K |
| 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 | $82K |
| HAYS COMPANIES EIN 41-1784898 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 18201 VAN KARMAN AVE #1020 IRVINE, CA 92612 | $80K |
| SMART DATA SOLUTIONS, INC EIN 41-2006324 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | 960 BLUE GENTIAN ROAD EAGAN, MN 55121 | $76K |
| 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 | $75K |
| RANDY OLIVEIRA EIN 55-3655748 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 14901 DAVID CT. BAKERSFIELD, CA 93314 | $73K |
| ROSEMARY KU CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 859 CLAYTON ST. APT 2 SAN FRANCISCO, CA 94117 | $72K |
| HUB INTERNATIONAL INS. SVCS EIN 33-0315047 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | $64K |
| NEW GATE INSURANCE SVCS INC. EIN 45-4519087 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 444 AIRPORT BLVD #109 WATSONVILLE, CA 95076 | $62K |
| EDGEWOOD PARTNERS HOLDING EIN 94-3195221 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | $62K |
| TWIW INSURANCE SERVICES EIN 20-1135902 INDEPENDENT CONTRACTOR | Direct payment from the plan; Insurance agents and brokers Service code 22 | PO BOX 1388 VENTURA, CA 930021388 | $58K |
| 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 | $57K |
| BELDON BURCH EIN 30-0090336 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4971 FOOTHILL ROAD CARPENTERIA, CA 93013 | $55K |
| DI BUDUO & DE FENDIS EIN 94-1530342 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 6873 N WEST AVE STE 101 FRESNO, CA 93711 | $54K |
| PACIFIC AG INS AGENCY, INC EIN 77-0525746 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1711 N. 11TH AVENUE HANFORD, CA 93230 | $54K |
| RICO PFITZER PINES & ASSOC EIN 94-2239750 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 207 5TH STREET GUSTINE, CA 95322 | $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 | $54K |
| 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 | $52K |
| 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 | $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 | $51K |
| ERNSTAM FINANCIAL & INS SVCS 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 | $47K |
| GEORGE PETERSEN INS AGENCY EIN 94-2674185 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 175 WEST COLLEGE AVE SANTA ROSA, CA 95401 | $46K |
| 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 | $45K |
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 | 23,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,864 | $502K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,185 | $104K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 10,929 | $2.6M |
| Other | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 10,929 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,929 | — |
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.