| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH DANIEL PURINTON II Filed as: RALPH D PURINTON II | PO BOX 3458 BLUE JAY, CA 92317 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | — | $10K | 4.96% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 1.56% |
| BIGGERSTAFF INSURANCE SERVICES INC | 9556 POPLAR RIDGE AVE ORLANDO, FL 32832 | AMERICAN FIDELITY ASSURANCE COMPANY | $76 | — | $76 | 0.04% |
| RALPH DANIEL PURINTON II | PO BOX 3458 BLUE JAY, CA 72317 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.58% |
| RALPH DANIEL PURINTON II Filed as: RALPH D PURINTON II | PO BOX 3458 BLUE JAY, CA 92317 | AMERICAN FIDELITY ASSURANCE COMPANY | $909 | — | $909 | 4.73% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $453 | — | $453 | 2.36% |
| BIGGERSTAFF INSURANCE SERVICES INC | 9556 POPLAR RIDGE AVE ORLANDO, FL 32832 | AMERICAN FIDELITY ASSURANCE COMPANY | $9 | — | $9 | 0.05% |
| RALPH DANIEL PURINTON II | PO BOX 3458 BLUE JAY, CA 92317 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 247 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 199 | $63K |
| Life insurance | AMERICAN FIDELITY ASSURANCE COMPANY | 0 | $672 |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 133 | $208K |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 7 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.