| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH CARE PLUS INS SERVICES3 Filed as: HEALTH CARE PLUS INSURANCE SERVICES | 16A JOURNEY SUITE 150 ALISO VIEJO, CA 92656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $14K | $28K | 20.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED AGRIBUSINESS LEAGUE EIN 95-3514902 PLAN SPONSOR | Contract Administrator Service code 13 | 54 CORPORATE PARK IRVINE, CA 92606 | $12.7M |
| 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 | $4.7M |
| 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 | $1.6M |
| BRENT EASTMAN INSURANCE SVCS, INC. EIN 20-2347916 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 51 KATHERINE AVENUE SALINAS, CA 93901 | $1.1M |
| NIKSSARIAN INSURANCE SERVICES EIN 20-0307796 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 24551 SILVER CLOUD COURT, SUITE 101 MONTEREY, CA 93940 | $679K |
| MORRIS & GARRITANO INSURANCE AGENCY EIN 95-2304670 INDPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | $666K |
| RELATION INSURANCE SERVICES EIN 26-1441725 INDPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 80 S. LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | $657K |
| MARK R. SALTZMAN INC. EIN 77-0264312 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3924 WEST CALDWELL AVE #B VISALIA, CA 93277 | $582K |
| 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 | $558K |
| 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 | $546K |
| 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 | $308K |
| JAMES G PARKER INSURANCE ASSOC. EIN 94-2494444 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $306K |
| MARSHALL PIERSON, INC. EIN 20-0327643 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 209 PAJARO ST. SUITE B SALINAS, CA 93901 | $286K |
| WINTON IRELAND STROM & GREEN INSURA EIN 94-2667917 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 627 E. CANAL DRIVE TURLOCK, CA 95380 | $231K |
| HATTON INSURANCE SERVICES EIN 33-0419521 INDEPENDENT CONTRACTOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 54 CORPORATE PARK IRVINE, CA 92714 | $231K |
| 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 | $226K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INDEPENDEN CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 45 RIVER PARK PLACE WEST, SUITE 605 FRESNO, CA 93720 | $204K |
| MARK TIGNER EIN 56-7613260 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1108 LELAND AVE TULARE, CA 93274 | $202K |
| TELADOC, INC. EIN 04-3705970 VENDOR | Direct payment from the plan; Other services Service code 49 | DEPT 3417 , PO BOX 123417 DALLAS, TX 75312 | $174K |
| 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 | $148K |
| MALLOY IMRIE & VASCONI INSURANCE EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 725 ST. HELENA, CA 94574 | $144K |
| 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 | $140K |
| THE ROBERT LYNN COMPANY EIN 95-2695182 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3761 BERNARD STREET BAKERSFIELD, CA 93306 | $134K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3635 RIVERSIDE PLAZA DR, BLDG M3, S RIVERSIDE, CA 92506 | $130K |
| PACIFIC COAST BENEFIT INSURANCE EIN 26-4465846 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 7600 MONTEREY ROAD, STE 140 GILROY, CA 95020 | $128K |
| 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 | $119K |
| MCSHERRY 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 | $107K |
| 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 | $93K |
| POWERS LEAVITT INSURANCE EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 125 BUCKEYE, AZ 85326 | $92K |
| 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 | $89K |
| FIRST HEALTH NETWORK EIN 20-1736437 PPO | Other services; Direct payment from the plan Service code 49 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $88K |
| JEFF KANE INSURANCE 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 | $85K |
| PACIFIC DIVERSIFIED INSURANCE SERVI EIN 94-2294669 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 15005 CONCORD CIRCLE, STE #110 MORGAN HILL, CA 95037 | $79K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | $78K |
| ERNSTAM FINANCIAL & INSURANCE SERVI EIN 01-0759312 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1625 BUTTE HOUSE RD YUBA CITY, CA 95993 | $77K |
| ROSE PAVING LLC EIN 47-5270739 VENDOR | Other services Service code 49 | 7300 W. 100TH PLACE BRIDGEVIEW, CA 60455 | $70K |
| RIS EMPLOYEE BENEFITS, INC. EIN 20-2070179 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 221 MAIN STREET, #1462 LOS ALTOS, CA 94023 | $62K |
| WELLRITHMS EIN 46-3312269 VENDOR | Other services; Direct payment from the plan Service code 49 | 3718 SW CONDOR AVE, SUITE 100 PORTLAND, OR 97239 | $61K |
| 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 | $60K |
| FLYNN FINANCIAL & INSURANCE SERVICE EIN 27-0774190 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2121 41ST AVE CAPITOLA, CA 95010 | $58K |
| HEALTH SOLUTIONS INSURANCE SERVICES EIN 45-3998337 INDEPENDENT CONTRACTOR | Direct payment from the plan; Insurance agents and brokers Service code 22 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | $57K |
| GEORGE PETERSEN INSURANCE 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 | $56K |
| HEALTHX, INC. EIN 35-1928243 PPO | Direct payment from the plan; Other services Service code 49 | PO BOX 775190 CHICAGO, IL 60677 | $56K |
| 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 | $53K |
| BASELOAD EIN 57-1088161 VENDOR | Other services; Accounting (including auditing) Service code 10 | 498 LAKESHORE PKWY ROCK HILL, SC 29730 | $53K |
| EDGEWOOD PARTNERS HOLDING EIN 94-3195221 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 5668 CONCORD, CA 94524 | $52K |
| SIMS INSURANCE AGENCY EIN 52-7763697 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 340 W. 32ND STREET #125 YUMA, AZ 85364 | $52K |
| HAYS COMPANIES EIN 41-1784898 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | $52K |
| CCH INCORPORATED EIN 13-3504158 VENDOR | Other services; Accounting (including auditing) Service code 10 | PO BOX 4307 CAROL STREAM, IL 60197 | $51K |
| RICO PFITZER PIRES EMPLOYEE BENEFIT EIN 82-0785899 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 129 GUSTINE, CA 95322 | $50K |
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 | 24,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 213 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,587 | $457K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,837 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,837 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.