| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED SOLUTIONS FOR BENEFITS | PO BOX 16427 HOOKSETT, NH 03106 | GREAT MIDWEST INSURANCE COMPANY | — | — | $0 | 0.00% |
| HEALTH CARE PLUS INS SERVICES3 | 16 A JOURNEY STE 150 ALISO VIEJO, CA 92656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $18K | 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 | $5.3M |
| ELITE CORPORATE MEDICAL SERVICES EIN 46-3783345 PPO | Direct payment from the plan; Other services Service code 49 | 4004 S DEMAREE ST VISALIA, CA 93277 | $2.1M |
| BRENT EASTMAN INSURANCE SERVICES 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 |
| COSTCO HEALTH SOLUTIONS INC EIN 81-2865195 PPO | Other services; Direct payment from the plan Service code 49 | 999 LAKE DRIVE ISSAQUAH, WA 98027 | $1.2M |
| 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 | $1.1M |
| 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 | $893K |
| 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 | $878K |
| KEVIN SALTZMAN INC EIN 20-0142443 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3924 W. CALDWELL AVE, SUITE A VISALIA, CA 93277 | $810K |
| 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 | $765K |
| 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 | $709K |
| 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 | $408K |
| 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 | $404K |
| HUB INTERNATIONAL INS SERVICES EIN 33-0315047 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3635 RIVERSIDE PLAZA DR BLDG M3, STE 32 RIVERSIDE, CA 92506 | $399K |
| JAMES G PARKER INSURANCE ASSOCIATES EIN 94-2494444 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $316K |
| 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 | $269K |
| 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 | $246K |
| THE BACHAN 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 | $205K |
| LIVONGO HEALTH, INC EIN 26-3542036 PPO | Direct payment from the plan; Other services Service code 49 | DEPT CH 17624 PALATINE, IL 60055 | $202K |
| 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 | $187K |
| 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 | $186K |
| 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 | $177K |
| 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 | $169K |
| 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 | $168K |
| MALLOY IMRIE & VASCONI INSURANCE EIN 68-0423938 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX725 ST HELENA, CA 94574 | $163K |
| 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 | $158K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 CONSULTANT | Legal Service code 29 | 1701 PENNSYLVANIA AVE WASHINGTON, DC 20006 | $151K |
| 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 | $144K |
| MEDWATCH, LLC EIN 16-1662117 VENDOR | Other services; Direct payment from the plan Service code 49 | 400 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 | $140K |
| MEDEIROS BENEFITS COMPANY EIN 87-2753682 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 78 HANFORD, CA 92323 | $131K |
| TELADOC INC. EIN 04-3705970 PPO | Other services; Direct payment from the plan Service code 49 | PO BOX 123417 DALLAS, TX 75312 | $124K |
| POWERS LEAVITT INSURANCE EIN 86-0376390 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 111 E. MONROE AVE., SUITE 200 BUCKEYE, AZ 85326 | $119K |
| 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 | $116K |
| CCH INCORPORATED EIN 13-3504158 VENDOR | Other services; Direct payment from the plan Service code 49 | 2700 LAKE COOK ROAD RIVERWOODS, IL 60015 | $116K |
| RELATION INSURANCE SERVICES OF CA EIN 26-4823657 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | $108K |
| 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 | $105K |
| 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, AZ 95993 | $103K |
| PACIFIC AG INSURANCE 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 | $101K |
| SWEENEY & SWEENEY INSURANCE, INC. EIN 94-2773722 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 102 RALEY BLVD., SUITE 100 CHICO, CA 95928 | $100K |
| ALLISON COMMERCIAL INSURANCE AGENCY EIN 20-8512168 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2775 N. VENTURA RD #209 OXNARD, CA 93036 | $97K |
| KUHTZ DIEHL INSURANCE&FINANCIAL SVC EIN 54-2067921 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2150 N WINERY AVE FRESNO, CA 93703 | $92K |
| PACIFIC DIVERSIFIED INSURANCE SVCS 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 | $87K |
| VISION SERVICE PLAN EIN 94-1632821 PPO | Other services; Direct payment from the plan Service code 49 | P O BOX 45210 SAN FRANCISCO, CA 94145 | $87K |
| 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 |
| WAKELY CONSULTING GROUP, LLC EIN 38-2599727 CONSULTANT | Actuarial Service code 11 | 102 N. WASHINGTON SQ., STE 705 LANSING, MI 48933 | $72K |
| 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 | $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 |
| 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 | $66K |
| GRAYBILL INSURANCE AGENCY, INC. EIN 20-8895111 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 101 PARKSHORE DR., SUITE 100 FOLSOM, CA 95630 | $64K |
| MCGRIFF INSURANCE SERVICES, INC. EIN 56-1623293 INDEPENDENT CONTRACTOR | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 896620 CHARLOTTE, NC 28289 | $61K |
| INSZONE INSURANCE SERVICES, LLC EIN 26-0879471 INDEPENDENT CONTRACTOR | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2721 CITRUS RD, SUITE A RANCHO CORDOVA, CA 95742 | $60K |
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 | 21,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,436 | $83K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 22,533 | $2.3M |
| Other | GREAT MIDWEST INSURANCE COMPANY | 22,533 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,533 | — |
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.