| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M. FICKEWIRTH & ASSOC | 2575 VISTA DEL MAR DRIVE, STE. 201 VENTURA, CA 93001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | — | $73K | 10.00% |
| HARRY J. WILSON INSURANCE CENTER3 | 575 EAST LOCUST AVE, STE. 104 FRESNO, CA 93720 | RELIASTAR LIFE INSURANCE COMPANY | $85K | — | $85K | 25.00% |
| HARRY J. WILSON INSURANCE CENTER3 | 575 EAST LOCUST AVE, STE. 204 FRESNO, CA 93720 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $28K | — | $28K | 20.00% |
| HARRY J. WILSON INSURANCE CENTER3 | 575 EAST LOCUST AVE, STE. 104 FRESNO, CA 93720 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $7K | — | $7K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARRY J WILSON INSURANCENTER, INC NONE | Contract Administrator Service code 13 | 575 EAST LOCUST AVE, STE. 204 FRESNO, CA 93720 | $91K |
| GIBSON & COMPANY, INC. CPA EIN 94-2743702 NONE | Accounting (including auditing) Service code 10 | 4600 NORTHGATE BLVD. SUITE 115 SACRAMENTO, CA 95834 | $34K |
| UNITED VALLEY INSURANCE AGENCY NONE | Contract Administrator Service code 13 | 3245 WEST FIGARDEN DRIVE FRESNO, CA 93711 | $34K |
| HARRINGTON INVESTMENTS, INC. NONE | Investment management fees paid directly by plan Service code 51 | 1001 2ND STREET SUITE 325 NAPA, CA 94559 | $16K |
| LAW OFFICE OF GEOFFREY V. WHITE NONE | Legal Service code 29 | 21-C ORINDA WAY, STE. 324 ORINDA, CA 94563 | $8K |
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 | 6,487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 734 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,838 | $339K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,812 | $730K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,838 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,838 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.