| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 25.00% |
| PTW INSURANCE SERVICES3 | 1753 E FIR AVE FRESNO, CA 93720 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $20K | — | $20K | 20.00% |
| GIS NATIONAL3 Filed as: GIS BENEFITS AND INSURANCE SERVICES | 315 MONTGOMERY ST., STE. 900 SAN FRANCISCO, CA 94104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 24.59% |
| PTW INSURANCE SERVICES3 | PO BOX 3947 FRESNO, CA 93650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 24.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PTW INSURANCE SERVICES NONE | Contract Administrator Service code 13 | 1753 E. FIR AVENUE FRESNO, CA 93720 | $503K |
| HILLBERG & COMPANY CPAS NONE | Accounting (including auditing) Service code 10 | 4600 NORTHGATE BLVD, SUITE 115 SACRAMENTO, CA 95834 | $21K |
| LAW OFFICE OF GEOFFREY V. WHITE NONE | Legal Service code 29 | 21-C ORINDA WAY, SUITE 324 ORINDA, CA 94563 | $21K |
| CHUBB NONE | Insurance services Service code 23 | P O BOX 382001 PITTSBURGH, PA 152508001 | $17K |
| HARRINGTON INVESTMENTS, INC. NONE | Investment management fees paid directly by plan Service code 51 | 1001 SECOND STREET, STE. 325 NAPA, CA 94559 | $15K |
| CALIFORNIA PROFESSIONAL FIREFIGHTER NONE | Other services Service code 49 | 1780 CREEKSIDE OAKS DR STE 200 SACRAMENTO, CA 95833 | $13K |
| MILLER KAPLAN NONE | Accounting (including auditing) Service code 10 | 4123 LANKERSHIM BLVD NORTH HOLLYWOOD, CA 91602 | $13K |
| FIREFIGHTER PRINT & DESIGN NONE | Other services Service code 49 | 1780 CREEKSIDE OAKS DRIVE SACRAMENTO, CA 95833 | $7K |
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 | 6,743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,531 | $52K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,531 | $263K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,061 | $372K |
| Other | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | 844 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,061 | — |
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.