| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | CALIFORNIA PHYSICIANS SERVICE | $43K | $0 | $43K | 3.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | UNKNOWN GLENDALE, CA 91204 | CALIFORNIA PHYSICIANS SERVICE | $15K | $0 | $15K | 1.28% |
| GCG FINANCIAL LLC3 Filed as: AN ALERA GROUP INSURANCE | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $10K | $0 | $10K | 0.82% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | BLUESHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $153 | $0 | $153 | 7.32% |
| GCG FINANCIAL LLC3 Filed as: AN ALERA GROUP INSURANCE | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | BLUESHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $37 | $0 | $37 | 1.77% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | UNKNOWN GLENDALE, CA 91204 | BLUESHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $28 | $0 | $28 | 1.34% |
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 | 69 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 105 | $1.2M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 105 | $1.2M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 105 | $1.2M |
| Life insurance | BLUESHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 77 | $2K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 105 | $1.2M |
| Other | BLUESHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 77 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.