| 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 STE 150 ALISO VIEJO, CA 92656 | UNUN LIFE INSURANCE COMPANY OF AMERICA | $10K | $10K | $20K | 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 | $4.7M |
| ELITE CORPORATE MEDICAL SERVICES EIN 46-3783345 PPO | Other services; Direct payment from the plan Service code 49 | 4004 S. DEMAREE ST., SUITE B VISALIA, CA 93277 | $2.3M |
| BRENT EASTMAN INSURANCE SERVICES EIN 20-2347916 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 51 KATHERINE AVENUE SALINAS, CA 93901 | $1.4M |
| COSTCO HEALTH SOLUTIONS INC EIN 81-2865195 PPO | Other services; Direct payment from the plan Service code 49 | 999 LAKE DRIVE ISSAQUAH, WA 98027 | $1.3M |
| MOORE INSURANCE SERVICES, 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 | $957K |
| 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 | $898K |
| 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 | $888K |
| KEVIN SALTZMAN INC EIN 20-0142443 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3924 W. CALDWELL AVE SUITE B VISALIA, CA 93277 | $757K |
| INTERWEST INSURANCE SERVICES, LLC EIN 68-0266090 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 12054 ALCAN CT. CHICO, CA 95927 | $747K |
| RELATION INSURANCE SERVICES EIN 26-1441725 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | $705K |
| 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 | $525K |
| WINTON IRELAND STROM & GREEN INS EIN 94-2667917 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 627 E. CANAL DRIVE TURLOCK, CA 95380 | $406K |
| HUB INTERNATIONAL INS SERVICES 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 | $371K |
| JAMES G PARKER INSURANCE ASSOCIATES EIN 94-2494444 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $281K |
| MILLIMAN USA EIN 91-0675641 CONSULTANTT | Actuarial Service code 11 | 4370 LA JOLLA VILLAGE DRIVE, #700 SAN DIEGO, CA 92122 | $271K |
| ANDREINI & COMPANY EIN 94-1482568 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 11 ORCHARD ROAD, SUITE 100 SAN MATEO, CA 94403 | $238K |
| DOUGLAS D. LIGHTLE EIN 27-5562267 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 190 FORREST AVE FAIRFAX, CA 94930 | $223K |
| 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 | $201K |
| WLT SOFTWARE EIN 20-1065791 VENDOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 26133 US HYWY 19, 4TH FL. CLEARWATER, FL 33763 | $197K |
| 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 | $187K |
| CVS PHARMACY, INC. EIN 05-0340626 PPO | Other services; Direct payment from the plan Service code 49 | 9501 E. SHEA BLVD, MC019 SCOTTSDALE, AZ 85260 | $180K |
| MALLOY IMRIE & VASCONI INSURANCE EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX ST HELENA, CA 94575 | $180K |
| 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 | $174K |
| 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 | $166K |
| GLENN COUNTY INSURANCE AGENCY EIN 94-1620705 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 725 ORLAND, CA 95963 | $152K |
| MEDEIROS BENEFITS COMPANY, LLC EIN 87-2753682 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 78 HANFORD, CA 92323 | $140K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 698 WATSONVILLE, CA 95077 | $140K |
| ALLISON COMMERCIAL INS. AGENCY, INC EIN 20-8512168 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2775 N VENTURA RD, STE 209 OXNARD, CA 93036 | $130K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 4900 CALIFORNIA AVE, TOWER B-210 BAKERSFIELD, CA 93309 | $126K |
| TELADOC PHYSICIANS, PC EIN 45-3507503 PPO | Direct payment from the plan; Other services Service code 49 | 7402 HOLLISTER AVE GOLETA, CA 93117 | $123K |
| WESTERN VALLEY INSURANCE ASSOCIATES 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 | $118K |
| 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 | $114K |
| 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 | $107K |
| CCH INCORPORATED EIN 13-3504158 VENDOR | Direct payment from the plan; Other services Service code 49 | 2700 LAKE COOK ROAD RIVERWOODS, IL 60015 | $101K |
| PACIFIC AG INS AGENCY, INC. EIN 77-0525746 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 360 S. HOPE AVE, SUITE C-120 HANFORD, CA 93230 | $100K |
| FIRST HEALTH NETWORK EIN 20-1736437 PPO | Direct payment from the plan; Other services Service code 49 | 28588 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48034 | $96K |
| DAVID ERNSTAM FINANCIAL & INSURANCE EIN 01-0759312 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 725 YUBA CITY, CA 95993 | $93K |
| KUHTZ DIEHL INSURANCE & FINANCIAL EIN 54-2067921 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2150 N. WINERY AVE FRESNO, CA 93703 | $85K |
| PACIFIC DIVERSIFIED INSURANCE SERVI EIN 94-2294669 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 15005 CONCORD CIRCLE, STE 110 MORGAN HILL, CA 95037 | $85K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 CONSULTANT | Legal Service code 29 | 1701 PENNSYLVANIA AVE, NW, STE 1200 WASHINGTON, DC 20006 | $80K |
| LEAVITT CENTRAL COAST INSURANCE EIN 26-3895931 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 950 EAST BLANCO RD, STE 103 SALINAS, CA 93901 | $78K |
| 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 | $78K |
| 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 | $75K |
| RELATION INSURANCE SERVICES OF CA EIN 26-4823657 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1277 TREAT BLVD, SUITE 400 WALNUT CREEK, CA 94597 | $74K |
| 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 | $71K |
| 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 | $69K |
| EVO INSURANCE SERVICES, INC. EIN 83-3909897 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1905 NORTE DAME BLVD. SUITE 270 CHICO, CA 95928 | $65K |
| MARK TIGNER FINANCIAL & INSURANCE EIN 56-7613260 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1108 LELAND AVE TULARE, CA 93274 | $62K |
| WES BRADFORD INSURANCE SALES, INC. EIN 77-0043887 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1800 19TH STREET BAKERSFIELD, CA 93301 | $59K |
| 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 |
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 | 22,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUN LIFE INSURANCE COMPANY OF AMERICA | 4,796 | $92K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 22,615 | $2.4M |
| Other | GREAT MIDWEST INSURANCE COMPANY | 22,615 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,615 | — |
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 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.