| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SERVICES, INC.3 | 801 GARDEN STREET, SUITE 300 SANTA BARBARA, CA 93101 | CALIFORNIA PHYSICIANS SERVICE | $55K | — | $55K | 2.55% |
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON INSURANCE SERVICES, INC. | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | CALIFORNIA PHYSICIANS SERVICE | $53K | — | $53K | 2.45% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 3.32% |
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON INSURANCE SERVICES, INC. | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.64% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTERGRATED INSURANCE SVCS. | PO BOX 609 SANTA BARBARA, CA 93102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 8.70% |
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON INSURANCE SERVICES, INC. | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.30% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 6.27% |
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON INSURANCE SERVICES, INC. | 6345 BALBOA BOULEVARD, SUITE 209 ENCINO, CA 91316 | BLUE CROSS OF CALIFORNIA | $1K | — | $1K | 3.55% |
| UNKNOWN3 | UNKNOWN AZUSA, CA 91702 | HOLMAN FAMILY COUNSELING, INC. | $436 | — | $436 | 5.00% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE | PO BOX 609 SANTA BARBARA, CA 93102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | $28 | $241 | 16.98% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 405 | $2.2M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 228 | $157K |
| Vision | BLUE CROSS OF CALIFORNIA | 354 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $96K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $96K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 405 | $2.2M |
| Other(3 contracts, 3 carriers) | HOLMAN FAMILY COUNSELING, INC. | 376 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.