| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY J. WILSON INSURANCE CENTER3 | 575 EAST LOCUST AVE, STE. 204 FRESNO, CA 93720 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $29K | — | $29K | 20.00% |
| HARRY J. WILSON INSURANCE CENTER3 | 575 EAST LOCUST AVE, STE. 104 FRESNO, CA 93720 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $21K | — | $21K | 20.00% |
| JOHN M FICKEWIRTH AND ASSOCIATION I5 Filed as: JOHN M. FICKEWIRTH & ASSOC | 60 CALIFORNIA STREET, 4TH FLOOR VENTURA, CA 93001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $0 | $30K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARRY J WILSON INSURANCENTER, INC NONE | Contract Administrator Service code 13 | 575 EAST LOCUST AVE, STE. 204 FRESNO, CA 93720 | $287K |
| UNITED VALLEY INSURANCE AGENCY NONE | Contract Administrator Service code 13 | 3245 WEST FIGARDEN DRIVE FRESNO, CA 93711 | $44K |
| LAW OFFICE OF GEOFFREY V. WHITE NONE | Legal Service code 29 | 21-C ORINDA WAY, STE. 324 ORINDA, CA 94563 | $41K |
| GIBSON & COMPANY, INC. CPA EIN 94-2743702 NONE | Accounting (including auditing) Service code 10 | 4600 NORTHGATE BLVD. SUITE 115 SACRAMENTO, CA 95834 | $29K |
| HARRINGTON INVESTMENTS, INC. NONE | Investment management fees paid directly by plan Service code 51 | 1001 2ND STREET SUITE 325 NAPA, CA 94559 | $15K |
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 | 6,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 792 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,854 | $0 |
| Other(2 contracts) | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | 0 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,854 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.