| 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 | 4.97% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE SUITE 1200 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN | $14K | $1 | $15K | 4.88% |
| J.D. GILMOUR & CO., INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PREMIER ACCESS INSURANCE COMPANY | — | $4K | $4K | 7.90% |
| ANDREW D. GILMOUR, INC. | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 14.98% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $886 | — | $886 | 10.00% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 20.92% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $849 | — | $849 | 20.01% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | — | $207 | $207 | 23.23% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 115 | $738K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 112 | $55K |
| Vision | UNION SECURITY INSURANCE COMPANY | 75 | $13K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 150 | $18K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 23 | $5K |
| Prescription drug | HEALTH NET | 115 | $738K |
| Other(4 contracts) | UNION SECURITY INSURANCE COMPANY | 150 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.