| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CALIFORNIA INS | 1425 RIVER PARK DRIVE SUITE 226 SACRAMENTO, CA 95815 | CALIFORNIA PHYSICIANS' SERVICE | $509 | $40K | $40K | 4.55% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY INC | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | CALIFORNIA PHYSICIANS' SERVICE | $180 | $12K | $13K | 1.42% |
| IRINA SARDARYAN3 | 130 N. BRAND BLVD. #310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $1K | $1K | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CALIFORNIA | 611 BUENA VISTA ST VENTURA, CA 93001 | GUARDIAN | $4K | $594 | $5K | 6.29% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY INC | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | GUARDIAN | $2K | $0 | $2K | 2.15% |
| CHARLES BOGUE3 | — | GUARDIAN | $123 | $0 | $123 | 0.15% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 132 | $885K |
| Dental | GUARDIAN | 98 | $80K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 132 | $885K |
| Life insurance | GUARDIAN | 98 | $80K |
| Long-term disability | GUARDIAN | 98 | $80K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 132 | $885K |
| Other | GUARDIAN | 98 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
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.