| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS HOWARD GILMOUR3 | 700 N. BRAND BLVD SUITE 570 GLENDALE, CA 91203 | HEALTH NET | $61K | — | $61K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | HEALTH NET | $45K | — | $45K | 0.84% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS, LLC | 1800 QUAIL ST NEWPORT BEACH, CA 92660 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $419 | $3K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET FLOOR 7 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $373 | $3K | 1.48% |
| JD GILMOUR & CO INC3 | 700 N BRAND BLVD, STE 570 GLENDALE, CA 91203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 100 MATSONFORD RD STE 200 BLDG 5 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $1K | 3.75% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 432 | $5.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 428 | $176K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $35K |
| Prescription drug | HEALTH NET | 432 | $5.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.