| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GILMOUR BOWSER3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $37K | — | $37K | 4.99% |
| J.D. GILMOUR & CO., INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 9.21% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| J.D. GILMOUR & CO., INC.3 | 300 W GLENOAKS BLVD STE 301 GLENDALE, CA 91201 | UNION SECURITY INSURANCE COMPANY | — | $17 | $17 | 0.16% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 16.37% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $676 | — | $676 | 10.01% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 21.45% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $983 | — | $983 | 21.69% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $670 | — | $670 | 22.52% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 120 | $741K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 100 | $40K |
| Vision | UNION SECURITY INSURANCE COMPANY | 59 | $10K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 125 | $16K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 26 | $6K |
| Prescription drug | HEALTH NET | 120 | $741K |
| Other(4 contracts) | UNION SECURITY INSURANCE COMPANY | 125 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.