| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 801 S FIGUEROA ST, STE 800 LOS ANGELES, CA 90017 | BLUE CROSS OF CALIFORNIA | $101K | — | $101K | 4.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $17K | — | $17K | 8.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 525 MARKET ST, STE 3400 SAN FRANCISCO, CA 94105 | SYMETRA LIFE INSURANCE COMPANY | $11K | $1K | $13K | 15.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | BANC ONE DEPT 100485 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| JERALD J REED3 | 5121 FEATHER WAY ANTIOCH, CA 94531 | AFLAC | $2K | — | $2K | 9.83% |
| VARIOUS OTHER AGENTS & BROKERS*3 Filed as: VARIOUS OTHER AGENTS & BROKERS | UNKNOWN OAKLAND, CA 94606 | AFLAC | $402 | $29 | $431 | 1.84% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | AFLAC | $388 | — | $388 | 1.66% |
| JONATHAN D PAYNE3 | 110 HASLEMERE CT LAFAYETTE, CA 94549 | AFLAC | $177 | — | $177 | 0.76% |
| SAHAR QABAZARD3 | 541 ARTOLA ST LAS VEGAS, NV 89144 | AFLAC | $171 | — | $171 | 0.73% |
| JUSTIN M REYNOLDS3 Filed as: JUSTIN REYNOLDS | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $98 | $5 | $103 | 0.44% |
| JOHN HARRIS JR3 | 4400 HORNER ST UNION CITY, CA 94587 | AFLAC | $86 | — | $86 | 0.37% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 265 | $2.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 286 | $210K |
| Vision | STANDARD INSURANCE COMPANY | 210 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 323 | $81K |
| Short-term disability | AFLAC | 30 | $23K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 323 | $81K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 323 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.