| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOVER INSURANCE SERVICES3 Filed as: HOVER INSURANCE SERVICES INC. | 2235 CHALLENGER WAY, #109 SANTA ROSA, CA 95407 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $55K | $0 | $55K | 4.69% |
| BANKERS INSURANCE LLC3 Filed as: BANKERS BENEFITS | 1303 J STREET, SUITE 600 SACRAMENTO, CA 95814 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 8.00% |
| HOVER INSURANCE SERVICES3 | 2235 CHALLENGER WAY, SUITE 109 SANTA ROSA, CA 95407 | GUARDIAN | $8K | $0 | $8K | 12.22% |
| HOVER INSURANCE SERVICES3 | 2235 CHALLENGER WAY, SUITE 109 SANTA ROSA, CA 95407 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | $0 | $372 | 2.73% |
| HOVER INSURANCE SERVICES3 | 2235 CHALLENGER WAY, SUITE 109 SANTA ROSA, CA 95407 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 2.02% |
No Schedule C service providers reported on this filing.
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 133 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 112 | $141K |
| Vision | GUARDIAN | 135 | $64K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 135 | $1.2M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8 | $3K |
| Long-term disability | GUARDIAN | 135 | $64K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.