| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET 110 NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $39K | — | $39K | 4.69% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN | $22K | — | $22K | 5.39% |
| J.D. GILMOUR & CO., INC.3 Filed as: J.D. GILMOUR, INC. | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 7.84% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.49% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| 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 | 13.92% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 18.54% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D. GILMOUR, INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $803 | — | $803 | 18.67% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $311 | — | $311 | 18.24% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 123 | $832K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 133 | $92K |
| Vision | UNION SECURITY INSURANCE COMPANY | 116 | $17K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 213 | $21K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 22 | $4K |
| Other(5 contracts) | UNION SECURITY INSURANCE COMPANY | 213 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.