| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GILMOUR BOWSER3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $35K | — | $35K | 4.36% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN | $16K | $1K | $18K | 5.26% |
| J.D. GILMOUR & CO., INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PREMIER ACCESS INSURANCE COMPANY | $5K | — | $5K | 7.54% |
| 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 Filed as: ANDREW D GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 15.80% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $743 | — | $743 | 10.00% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $138 | — | $138 | 2.73% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 21.42% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $912 | — | $912 | 21.51% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 116 | $813K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 120 | $68K |
| Vision | UNION SECURITY INSURANCE COMPANY | 88 | $14K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 133 | $15K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 22 | $4K |
| Prescription drug | HEALTH NET | 116 | $813K |
| Other(5 contracts) | UNION SECURITY INSURANCE COMPANY | 133 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.