| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON INSURANCE SERVICES | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | CALIFORNIA PHYSICIANS' SERVICE | $106K | $54 | $106K | 5.00% |
| PARTNERS INSURANCE SERVICES3 | 6345 BALBOA BOULEVARD, SUITE 290 ENCINO, CA 91316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $731 | $31K | 11.69% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.01% |
| UKNOWN3 | UNKNOWN AZUSA, CA 91702 | HOLMAN FAMILY COUNSELING | $270 | $0 | $270 | 5.00% |
| EDWARD CHARTON3 | 6345 BALBOA BOULEVARD SUITE 290 ENCINO, CA 91316 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | $0 | $290 | 14.99% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 373 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $269K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $269K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $269K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $269K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $269K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 373 | $2.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.