| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82K | — | $82K | 5.85% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 95650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | — | $59K | 4.16% |
| GIS NATIONAL3 Filed as: GIS BENEFITS AND INSURANCE SERVICES | 315 MONTGOMERY ST., STE. 900 SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| HARRY J. WILSON INSURANCE CENTER3 | PO BOX 27098 FRESNO, CA 93729 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $26K | — | $26K | 20.00% |
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 25.00% |
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES G. PARKER INSURANCE ASSOCIATE NONE | Contract Administrator Service code 13 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $254K |
| HARRY J WILSON INSURANCECENTER, INC EIN 94-2279435 NONE | Contract Administrator Service code 13 | — | $201K |
| GIBSON & COMPANY, INC. CPA EIN 94-2743702 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| JONES & ASSOCIATES NONE | Legal Service code 29 | 1745 BROADWAY 17TH FLOOR NEW YORK, NY 10019 | $25K |
| LAW OFFICE OF GEOFFREY V. WHITE NONE | Legal Service code 29 | 21-C ORINDA WAY, SUITE 324 ORINDA, CA 94563 | $18K |
| HARRINGTON INVESTMENTS, INC. NONE | Investment management fees paid directly by plan Service code 51 | 1001 2ND STREET, STE. 325 NAPA, CA 94559 | $16K |
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 | 7,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 679 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $150K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,515 | $119K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,631 | $1.4M |
| Other | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | 0 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,631 | — |
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.