| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED SOLUTIONS FOR BENEFITS | 2279 EAGLE GLEN PKWY #112-122 CORONA, CA 92883 | GREAT MIDWEST INSURANCE COMPANY | — | — | $0 | 0.00% |
| HEALTH CARE PLUS INS SERVICES3 | 16 A JOURNEY SUITE 150 ALISO VIEJO, CA 92656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $13K | $26K | 22.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 PPO | Direct payment from the plan; Other services Service code 49 | PO BOX 749415 LOS ANGELES, CA 90074 | $4.8M |
| ELITE CORPORATE MEDICAL SRVCS INC. EIN 46-3783345 PPO | Other services; Direct payment from the plan Service code 49 | 4004 S. DEMAREE ST., SUITE B VISALIA, CA 93277 | $2.4M |
| 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 | $1.5M |
| 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 | $882K |
| NIKSSARIAN INSURANCE SERVICES EIN 20-0307796 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | $868K |
| 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 | $840K |
| RELATION INSURANCE SERVICES EIN 26-1441725 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 80 S. LAKE AVENUE SUITE 600 PASADENA, CA 91101 | $811K |
| 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 | $688K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 8110 CHICO, CA 95927 | $672K |
| JAMES G PARKER INSURANCE 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 | $413K |
| 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 | $393K |
| WINTON IRELAND STROM & GREEN INS EIN 94-2667917 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 627 E. CANAL DRIVE TURLOCK, CA 95380 | $332K |
| BANK OF AMERICA, N.A. EIN 56-0906609 BANK | Trustee (bank, trust company, or similar financial institution); Other services Service code 21 | 100 N TRYON ST CHARLOTTE, NC 28255 | $236K |
| 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 | $209K |
| ANDREINI & COMPANY EIN 94-1482568 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 220 W 20TH AVE SAN MATEO, CA 94403 | $200K |
| HUB INTERNATIONAL INSURANCE SVCS EIN 33-0315047 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3635 RIVERSIDE PLAZA DR BLDG M3, STE 32 RIVERSIDE, CA 92506 | $199K |
| MILLIMAN USA EIN 91-0675641 CONSULTANT | Actuarial Service code 11 | 4370 LA JOLLA VILLAGE DRIVE, #700 SAN DIEGO, CA 92122 | $195K |
| 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 | $193K |
| DEERWALK INC. EIN 26-4710932 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 430 BEDFORD STREET, STE 175 LEXINGTON, MA 02420 | $187K |
| 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 | $182K |
| 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 | $172K |
| WLT SOFTWARE EIN 20-1065791 VENDOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 26133 US HYWY 19, 4TH FL. CLEARWATER, FL 33763 | $171K |
| TELADOC PHYSICIANS, PC EIN 45-3507503 PPO | Other services; Direct payment from the plan Service code 49 | 7402 HOLLISTER AVE GOLETA, CA 93117 | $170K |
| 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 | $170K |
| MCSHERRY BENEFITS & INSURANCE SOL. EIN 83-2690791 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 698 WATSONVILLE, CA 95077 | $152K |
| COOK & ASSOCIATES EIN 55-2356384 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 2076 SONOMA, CA 95476 | $149K |
| MARK TIGNER FINANCIAL & INS SVCS EIN 56-7613260 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1108 LELAND AVE TULARE, CA 93274 | $132K |
| GLENN COUNTY INSURANCE AGENCY EIN 94-1620705 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 725 ORLAND, CA 95963 | $125K |
| 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 | $125K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4900 CALIFORNIA AVE TOWER B-210 BAKERSFIELD, CA 93309 | $116K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 VENDOR | Direct payment from the plan; Other services Service code 49 | 711 HIGH STREET DES MOINES, IA 50392 | $109K |
| ALLISON COMMERCIAL INS. AGENCY, INC EIN 20-8512668 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2775 N. VENTURA RD, 209 OXNARD, CA 93036 | $107K |
| CCH INCORPORATED EIN 13-3504158 VENDOR | Other services; Direct payment from the plan Service code 49 | 2700 LAKE COOK ROAD RIVERWOODS, IL 60015 | $100K |
| EVO INSURANCE SERVICES, INC. EIN 83-3909897 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1905 NOTRE DAME BLVD SUITE 270 CHICO, CA 95928 | $100K |
| 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 | $98K |
| 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 | $95K |
| ERNSTAM FINANCIAL & INSURANCE 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 | $93K |
| POWERS LEAVITT INSURANCE EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 125 BUCKEYE, AZ 85326 | $92K |
| WESTERN VALLEY INSURANCE ASSOC. EIN 94-2899459 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 600 E. MAIN STREET, 200 TURLOCK, CA 95380 | $90K |
| FIRST HEALTH NETWORK EIN 20-1736437 PPO | Other services; Direct payment from the plan Service code 49 | 28588 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48034 | $88K |
| KUHTZ DIEHL INS & FINANCIAL SVCS EIN 54-2067921 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2150 N. WINERY FRESNO, CA 93703 | $83K |
| PACIFIC AG INS 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 | $81K |
| CVS PHARMACY, INC. EIN 05-0340626 PPO | Direct payment from the plan; Other services Service code 49 | 9501 E. SHEA BLVD, MC019 SCOTTSDALE, AZ 85260 | $80K |
| 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 | $78K |
| SMART DATA SOLUTIONS, INC. EIN 41-2006324 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 960 BLUE GENTIAN ROAD EAGAN, MN 55121 | $77K |
| PACIFIC DIVERSIFIED INSURANCE SVCS 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 | $76K |
| DI BUDUO & DE FENDIS EIN 94-1530342 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 6873 NORTH WEST AVE STE 101 FRESNO, CA 93711 | $67K |
| SIMS INSURANCE AGENCY EIN 52-7763697 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2900 SOUTH PALO VERDE LANE, 21 YUMA, AZ 85365 | $67K |
| 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 | $65K |
| KEITH W. MORRISON EIN 55-4900496 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 543 E. MALLARD CIRCLE FRESNO, CA 93730 | $65K |
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 | 22,598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 183 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,276 | $424K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,967 | $118K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 24,150 | $3.5M |
| Other | GREAT MIDWEST INSURANCE COMPANY | 24,150 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,150 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.